No reason to get snippy with us, just trying to help you climb back down from that tree you ran up at the beginning of this thread.
Taking your NEW requirements into account, Verizon is still likely your cheaper option.
On Verizon, an Unlimited family plan is $119.99/month and includes 2 lines at that price. Data is another $30/line and you know all the rest. So yes, you are right at around $200/month if you add in insurance (which is frankly a waste of money w/Verizon as it doesn't cover jack squat...go squaretrade instead) and visual voice mail. Although its possible they won't charge extra for that with the iPhone; we don't know for sure just yet.
On AT&T, however, a Family Talk Unlimited plan is also $119.99/month -BUT- its an ADDITIONAL $49.99 PER LINE. Before data plans, that puts you at around $170/month just for the equivalent voice package as Verizon's family plan, or $50 more expensive for JUST two lines. Add in data plans for 2 phones plus unlimited texting and you are going to spend a LOT more with AT&T on your particular plan. Add in more family lines and it gets ridonkulous.
AT&T Family Talk Unlimited Plan:
Verizon Family Unlimited Plan:
[u...rst wto lines, so it would be the same price.