I'm on a family plan and my portion works out to be only $8 more per month on Verizon. I think $8 is worth the extra features on the phone and the fact I can access 4G speeds. Or will shortly when it gets here.
2) are you factoring in what you will be saving per month into figuring out where the savings are?
for example, you might be paying more for the phone now but in the long run after two years of saving like $20-$30 a month doesnt it work out in your favor?