That is incorrect. You can't use a unlocked 4S with just any carrier.
Also you ignored my statements. They do care what service you use because thats how they make money. Chipsets do not alone define a device CDMA or GSM.
You do not seem to grasp that regardless of how the carriers 'make their money', the unlocked 4S that is sold for $649 and the iPads are 'NOT' subsidized by the carriers.
If you purchase a 4S that is factory unlocked and use it on T-Mobile or ST, AT&T is not going to come running after you. It's your phone and has nothing to do with AT&T.
The only reason you cannot use a factory unlocked 4S on VZ or Sprint is because they do not allow it and typically never have allowed each others phones to work, which is a whole other story. It's not because of some sort of hardware lock or incompatibility.