I just checked the iPhone5 and the price is quite high but when I checked the carrier prices the lowest was 85.00 per month. I dont want to do that either.
To use a smartphone, $85/mo. is probably on the low end of what you can get. The whole purpose of having one is the Internet and texting. I pay $105 but that includes 3 gigabytes of data per month.
I previously had a dumb phone on a pre-paid plan [which is really my comfort level] but [after buying the phone] I found out that AT&T won't grant data access [except over Wi-Fi] on pre-paid plans for smartphones.
Go figure.
The iPhone's a beautiful contraption, but you'll definitely pay more to use one than you're accustomed to.
So what is the advantage of buying the iPhone if you still pay $100 or more per month to use it?
Just call me confused. lol
Get an iPad Mini for data, you can even use it as a phone with a free Magic Jack app. Data plan is $15.00 a month. Wi-Fi is free in many places.