Yes, I know all that. I also know that I'm on a relatively non-congested tower at home. That's where I do most of my Internet use. How do I know? Because I test my speed fairly frequently. I live in a low density residential area (read light industrial). This morning and afternoon, I was getting almost 70 mbps during peak times.
verizon is free to throttle as they see fit unless the fcc decides to get involved and monitor them. Not holding my breath for that to happen. And verizon is on a mission to eliminate udp's, especially if you use more than 4.7GB of data per month.
I'll worry about that when the time comes. If it's onerous, I'll be free to change carriers, add a wired Internet line and go back to a subsidized phone, or whatever works best.
what works best is to get a subsidized phone, keep udp and stay on contract. there are true loopholes that allow you to do that.
At least this way, I didn't even have to cough up the subsidized price up front. Just less than half of it. It worked for me.
I am able to flip iPhones in a matter of days. I sign up for the best buy reserve gift card so that is a $50 bonus and the best part of the best buy method is you don't get charged the upgrade fee!!
Example - come 9/9/14, I will use my upgrade to buy an iPhone 6 for $200. Where I live tax is only charged on the upgrade price, not the full price, which of course is another advantage over the DPP (in which you get charged tax on the full price as well as the finance charge). So I end up paying $216 for an iPhone and get a $50 BB gift card to boot and no upgrade fee.
swappa/shipping/paypal fees run about $50 if you insure for the full value so that brings out of pocket to about $270 (actually less, but I am rounding up).
You can sell a new iPhone for a minimum of $600 when they are first released and usually even more. Within days I get the cash for the iPhone so I end up with $330 or more plus the $50 best buy gift card, which can be used to purchase an amazon kindle gc (which can be used to buy anything on amazon). So I net a minimum of $380 on the deal.