I'm trying to get a better understanding on what causes a person to choose buying a factory unlocked iPhone verses a locked in 2 year contract iPhone. Basically a new iPhone 5 (32GB) model for me is a $2030 investment over 2 years. With AT&T I pay exactly $70 each month for unlimited data, and enough minutes + text for my needs: $70.00x 24 + $350 = $2030. So, for the people who buy an unlocked phone (+/- $800? for a 32GB with tax). What is the incentive to do so? I assume it would be to save money with a different carrier such as T-Mobile etc... However, how much are these people actually saving with an unlocked phone over 2 year... If any at all? This is for people in the U.S. I understand why people outside the states do it because of coverage. Thanks.