I see all these posts where people say they will never lock themselves into a contract. But if the price of the subsidy is already built into the monthly plan, why not sign the two year contract and get the iPhone 6 cheaper? I understand you don't want to lock in, but most people I know have been with ATT or Verizon for 5 years so it isn't like you are locking yourself into a miserable service, for the most part ATT and Verizon are the best (after all they do have the biggest number of subscribers and coverage).