The crux of my argument was why spend so much in the beginning when the amount of money you save over such a long period is tiny? I just don't get it.
That argument works the other way around.
Why tie yourself into a really long contract, when you could get the same thing with more flexibility built in for almost the same cost ???
Because I offset it against having to pay an unnecessarily large (IMO) amount of money upfront for the privilege of being more flexible when it's highly unlikely I'd ever need it to be any more than the contract I currently have is. Other than a couple of mid-contract tariff changes, I've never felt the need to change wholesale to another provider, nor get rid of my phone completely.
EDIT: For the record, I'm not saying people shouldn't buy unsubsidised handsets or that they're idiots for doing so. I'm just saying I don't understand why they would want to.
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