I'd like to stay on T-mobile, so that's the big issue. I have a family plan with my wife and her grandma and for all 3 phones (2 being Androids w/ unlimited Data/txts and the other being a flip phone w/ unlimited txt) I think its under 130 after tax. I know alot of people are using out of contract iPhones on T-mobile, but until they finish their network upgrade you're stuck on EDGE (2G), which is pointless in my eyes (I think for Portland the upgrade is complete, but it's not down here in San Diego). If T-Mobile LTE ends up not working on the iPhone5 I'll probably end up with the 4s over the Galaxy. It'll still be a massive upgrade compared to what I'm using now.