I haven't heard from a single person who has had their iPhone unlocked from AT&T, so saying 'most phones are unlocked' is a loooong shot. Of course, the fact that I haven't heard any of this doesn't mean it doesn't happen. I would go for a negative on this one, though. Likewise, the fact that Apple is releasing iPhones that are not tied to a carrier (and are therefore "unlocked".. though this is the wrong term, as they were never locked in the first place) doesn't mean that iPhone 5s will come out unlocked. Quite the opposite, if locks are there it's for a reason. AT&T subsidized phones will still be locked to AT&T. This is just a way of Apple of offering their hardware to customers who don't feel like accessing it through carrier contracts.