Got the deal done. Found out on the Costco thread that Costco is charging $329 plus I wouldn't be able to use my upgrade credit. Didn't bother to verify. Went to Verizon. Turned out to be a good thing, for reasons I will explain. The rep. knew exactly what I wanted to do. She spent a lot of time with me and was very helpful. I went home, looked at my account, and found my plan had been changed. Went back, and rep called Verizon support and they said I changed the plan on 11/23 and dumped unlimited data. This had not shown when the rep was doing the transaction. The only thing I did on 11/23 was explore the cost of upgrading and various plans online. I had never finalized a change - if I had, I would have a phone in the mail by now since I was doing it all in relation to buying a new phone on my line. Even though it was outside the 14-day period to change plan back, rep spent a lot of time on the phone with support and was able to get my unlimited data back.
Of course I know rep is angling to get her commission on upgrading my other phone which will probably be done in next 6 months. She worked very hard to get that privilege and I will go back to her at that time.
My only issue is the insurance. There's the $10.99 plan (tablet plan, required for N2s and iPhone 5s vs. the $9.99 plan) and the $6.99 plan. Neither rep could tell me all the details of either, so I got the $10.99 and can drop or change later. Insurance through Best Buy or Costco would have been better. I'm going to go look for an insurance thread. I am very afraid of dropping my phone. It's gorgeous.
BTW, the rep tried halfheartedly to get me to consider other phones and other plans. At the point I left she had decided she wanted an N2 for herself (is looking to upgrade), although she had been planning on the S3 or DNA. The other rep there already had the N2. So much for Verizon's plans to discourage people from buying the N2. Rep still thinks I'm going to change my plan in the next couple months, and she made sure to put her number on my phone so she could handle it when the time comes. If transferring my upgrade to the other line works (haven't tried yet), then I will be able to keep unlimited data until it's phased out, supposedly next summer.
Is anyone else using their phone for tethering/hotspot? Now I'm paying $30 for unlimited hotspot, whereas before I was paying $20 for 2 GB or $30 for 5 GB, as needed. So far hotspot connection seems slow, but not worse than my old Blackberry.