You can buy Note 20 Ultra unlocked directly from Samsung for $600 total if you trade in your note 10 plus (no contract). You can the SIM from your note 10 plus to avoid Verizon activation fee..
Traded in my note 9 directly to Samsung and got my note 20 unlocked for $450 (with no contract) plus $100 off on Galaxy Watch 3 - I feel like I got a great deal myself...
If you pay cash to Google for yoked there is no contract extention. I got $550 for my note 9 plus $100 off on galaxy watch 3. Swapped SIMs and no activation fee on Verizon either.