If you can upgrade now would suggest doing so. If not then at your upgrade date may not be able to keep your unlimited UNLESS you pay retail pricing on a phone. Verizon is switching to tiered data. It has been rumored and there have been articles in Androic Central as well.
They are saying once this is in place, to have unlimited, we will have to pay full retail and then be month to month. I for one, would not be happy having to give up unlimited data on my phone. I can find pricing for a phone on ebay. The idea of no contract is ok with me. They are now charging 30.00 upgrade fee and they are getting greedy. So to pay retail for a phone and not have sign a contract and pay an upgrade fee is fine with me.
My phone is decent. I am happy with it.