Perhaps a noob question, but I've always had subsidized phone through ATT. My wife and I have a family plan, and both have legacy unlimited data plans which we don't want to lose. If I have no interest in changing my data or voice plan, is there any financial reason to buy an unlocked phone? Obviously, when I buy a subsidized phone, in theory, a portion of my monthly payment goes towards paying the subsidized portion of my phone. If I purchase the Nexus 4, can I save money with my plan or is it simply what it is unless I go with another plan?