Some providers charge the same amount for "service" whether they are subsidizing a phone or not, so you might as well upgrade. Especially if you can sell the old phone for roughly the same price as the upgrade. If you're going to pay the same rate then why not? Like I said if providers actually lowered the service fee to reflect a non-subsidized phone then people might think differently. But really it's the providers who are screwing people over by charging the same whether they're subsidizing a phone or not. I think the main reason TiVo's stab at the free + $20/mo plan failed was timing. At the time TiVos weren't very expensive ($250) and service was only $12.95/mo. So paying $20/mo for 2 years wasn't that great a deal. I think if they did something like that now with a Roamio Plus they'd have more takers. And if they did a whole home package with a Roamio Plus and 2 Mini's for $35/mo people would do that too.