Text messaging is extra
I think Text Messaging is extra. They have to make money somehow.
However, I'd go for a refurb iPhone 3G if you can get it for free, it's cheaper.
Knowing you, the data plan will be your big usage. The protection plan is worth it if you break a phone. They will FedEx you a phone the next day, and I've done that. It saved my ass with a Blackberry.
I'd also get a GoPhone if I were you. Not to use it, but to keep as a backup in case you break the iPhone. You can pop in the SIM Card and be in business in minutes.
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