If I am correct, I think things will work out okay other than me paying more for the phone. T-Mobile currently has a $5 add a line promotion. My parents both use T-Mobile and I will just add myself to their plan. So with the $5 add a line and the truly unlimited data they offer (I think it's $30 for each person on a family plan, correct me if I am wrong), as well as insurance. I kind of think it doesn't sound so bad to buy the phone on contract. I totally get the appeal of buying unlocked and using T-Mobile's $30 plan which offers 100 min and 5GB of data. But it kind of makes sense to me that if I can get more minutes (100 min isn't enough for me), unlimited (uncapped) data and insurance, then I am willing to pay a little more (roughly $45) which I think is similar to most prepaid offerings. I could be totally off base but just a thought, anybody else feel this way?