So I'm debating between buying a couple of used 4S's for my wife and I and sticking to T-Mobile or getting two 5's and switching from T-Mobile to Verizon. We're planning in moving back to the NYC area in the next six months so we should get HSPDA speeds. Currently we're on T-Mobile and the service is . . . acceptable. I don't drop many calls, I get a signal in about as many places as my friends, and I'm currently using an iPhone 3G so I can't honestly tell what's slower EDGE or the phone. Verizon's LTE network is bigger and faster but they are considerably more expensive. I've had my 3G for four years and for I think the 5 (or even the 4S) could last that long. I just don't know if I can stomach Verizon and their price gouging that long (they have no "unsubsidized" plans like T-mobile). After my two year contract is up can I get the iPhone 5 unlocked and take it to Sprint, Virgin, or a GSM network like the 4S? Does the universal radio mean it works with HSPDA/GSM+CDMA networks like the 4S?