So I'm comparing plans to buy a device outright versus buying a device with a plan. Aside from T-Mobile, carriers make it remarkably difficult (impossible?) to buy a handset online without a plan. And going to stores is a crap-shoot in terms of whether they'll have the device you want in-stock. But I'm doing the math, and wondering why you can't just buy a phone with a plan, then cancel almost immediately - absorbing the ETF. If you were to buy a new 64gb iPhone 6, you'd be able to buy one for $749. If you were to buy a 64gb iPhone with a 2 year agreement, you'd get the phone for the subsidized price of $300. If you were to end your contract, and pay the ETF you'd pay $350 from Verizon for example. Doesn't that allow you to order the device you want, and walk away with an unlocked phone for $650 free and clear of your original contract? What's the down-side? Seems like you get a $750 device for ~$650. If you pay the ETF, does it avoid any potential hit to your credit for voiding your contract? I'd prefer to be able to just order a contract-less device without screwing around like this, but there doesn't seem to be a way to order a device without a contract on their website.