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Yes, you have to buy texting separately, although if you are a big texter, they have a bundle that includes it with your data plan. You are required to get the unlimited data plan.
Yes, the protection plan is a good idea, especially given the likelihood that you will drop and/or run over the iPhone.
I have other extra crap added on, my bill runs around $100/month, probably would be closer to $85 without the other subscription stuff.
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