Hmm, yeah I might do that and trade my 5 in to AT&T to help out with costs. It was unclear to me if I had to pay anything up front with the Next thing. It's a nightmare trying to navigate the AT&T site and find proper pricing for things. Oddly enough I could find more concrete info on Apple's website instead of AT&T's own. I think I'm gonna stop in to the AT&T store after work to talk it over with them.
On Next your only upfront cost is tax on the phone.