I save over $500 in 2 years if I buy the One X at full price due to ATTs ridiculous rates.
$90 x 24 + 199 = 2359 (90 based on $40 voice plus $30 data and $20 messaging)
$45 x 24 + $550 = 1630
but it gets better.....because I'M NOT IN CONTRACT I'm not stuck with one phone I may like or hate for 2 years. So I can go buy awesome phones at less than the price you buy your subsidized phone (like I'm doing now) and get the same service as you.
-- "WHEN THE LAUGH TRACK STARTS THEN THE FUN STARTS!"