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This bit is unclear to me:

"AT&T... charges $30 to $50 for their most popular data plans. (I use AT&T as an example here, but the same logic applies to both Verizon and Sprint.) But T-Mobile is going to change things. Right now they offer a plan for unlimited talk, text, and data for $50. Two years of that service is $1200. Add in the $650 cost of the iPhone, and your out-of-pocket expense is $1850. You’d pay almost twice as much — $3,560 — with AT&T for the same phone and similar service. Furthermore, T-Mobile will let spread the payments out over 24 months, meaning that you don’t have to pay for that $650 iPhone in advance."

Above doesn't indicate a drop in T-Mobile rates when subsidy is removed. It indicates continuing at high end of aforestated $30-50 range. And despite having similar data charge, you say ATT costs the user double in toto. Why? Suggest you clarify this.

If I am providing my own phone, I'd expect combined voice & data package for around $25 or less. That's what I pay in Europe.
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