Early upgrade would be at a higher price over the cost if you were eligible for upgrade.
So you take scenario a, the customer is out of their contract, meaning they haven't upgraded their line in the last 12-24 months, they'll be eligible to upgrade to the new iPhone at a cost of $199/299 depending on storage option selected.
In scenario b, the customer upgraded their line within the last 12 months and is looking to get an iPhone, their cost will be the early upgrade price of $399/499 depending on the storage selected.
There are a lot of factors that go into whether or not you get to upgrade after 12 months, 15, 18 or 24. On accounts that spend excess of $150 per month for multiple lines, the PRIMARY line and only the primary line can upgrade every 12 months.
There are some business accounts that are allowed to upgrade every 12 months. Most iPhone customers will be eligible for upgrade every 18-24 months.
Your best bet is to look at your AT&T account online and see when it says you are eligible to upgrade.
goosnarrggh:
To go over your points...
Not having an official means to opt-out of data service is incorrect; do a search on the forums, countless people are able to get their data service turned off simple by saying they are surrounded by wifi. Otherwise, the iPhone is constantly using data, your charges would be astronomical if you did not have a data plan. The CSR reps at the stores would not deactivate data from you line, you wouldn't know until you got your first bill.
Most phones when they are first released aren't available for purchase outright. Granted they don't normally take as long as it took with the Phone. There are no select circumstances, you go in and buy an iPhone for $599/699 depending on the amount of storage you're after.
Currently there's no one out of their 2yr contract with AT&T that has an iPhone; hence they don't need to have one - yet! Now, after August of 09, if the case still exists then I'll be in 100% support of you on this one.