One of the knocks against unsubsidized wireless plans — those plans where you pay full price for your phone but get a discount on monthly service — is that the discount isn’t enough to justify paying upwards of $600-$750 for a top-of-the-line new phone, and that the monthly installment options are really just de facto contracts. But AT&T’s newest plan stretches out payments long enough so that you pay just about the same price — if not lower — than you would under contract. [More]