I do not deny that when the new iPhones came out, I had a serious case of 'I WANT!', but the practical side of me knew I couldn't spend that money any time soon. There's a trip this year that required some deposits (yes, we are boarding a chartered cruise again) and well, I'd rather pay those than have the newest phone. My current phone, the iPhone 4s, was acquired the day those came out just over three years ago. So, I've been well out of contract on our cellular service, but like I said, the priorities for the fun money this year had a phone lower on the list. When the new phones were announced, I looked at AT&T's website and saw they had two options, the plan we've always had with them, where you pay a subsidized amount for the phone, and the new Next plan, where you pay a monthly fee. Unfortunately, the site doesn't really spell things out for you, so I assumed that the $25 a month for a 16gig 6 was over and above what we pay each mon...