Hey everyone I'm looking to upgrade all 3 lines on my account. I currently have 2 that are eligible for full upgrade and 1 that gets the $200 off or AT&T NEXT. I'm looking at the costs for each of my options with doing a contract vs NEXT and was wondering what happens if I don't insure a phone on NEXT and break it?? Also, I have always preordered through the Apple store, but am worried that the 6 plus will be too big. What is their return policy? AT&T said if I order through them I have a 14 day period to swap it out for the 6 if I choose to do so. Thanks in advance!