How terrible of T-Mobile to charge you $580 for an iPhone 5 that retails for $650. These phones don't cost the $200 that other carriers want you to think they do.
not to mention, all the Samsung toys depreciate in value to almost nothing, compared to current model and n-1 model hold their value substantially more than any andorid phone, making it even more of a sweet deal a year from now when you want to pay it off with the proceeds of selling it on gazelle or ebay.