Posted 31 December 2010 - 08:18 PM
as an alternative option, you could switch to verizon and pick up an android smartphone. the htc incredible or motorola x are both excellent options. verizon's insurance is $90 to replace the phone (not great, but much better than $200).
if you are stuck with AT&T, i'd get the iphone4. my dad, brother and brother-in-law all have it and i've had a fair amount of experience playing around with them (i also own an ipod touch).
i personally have the htc incredible (with verizon), and the app market for both android and iphone is what makes them dominant and well worth the money.