Even store in NYC tells me they won't sell outright!
Should I just try a walk-in at the Apple store?
Apple Store in NYC won't sell it to you without a contract. I saw reports of this in other threads and on Friday went in to the 5th Ave store to try to get one contract free. They had them in stock for walk-ins, but he said they will only sell if you get a contract or use your upgrade, they will not sell them device only. The first question he asked me after I inquired if they had any in stock was if I was getting a contract, even before I inquired about getting it device only.
You can try and see if you get someone who will sell it to you, but in my experience they won't do it.