Were you not able to cash in on the headphones offer at least?
I consider myself lucky in this go around. $672 list for Verizon, minus $150 value for the headphones, and minus another $300 for trading in my G4 (which I wouldn't be willing to sell for half that in good conscious due to the bootloop issues of that line). And if you really want to dig in on the offers, I also took advantage of the $24 Stylo 2 V offer because I already had a line available to put it on. So I'm paying next to nothing for the V20 itself. On a related note, I made a $50 profit on my purchase of the G4.