Why I went with EIP and jump
If I choose to buy a Note 4 or whatever goodness they have around this time next year I'd have only payed around $400 for the Note 3
Can also look at it that with tmobile I'm paying less than $5 more a month but the phone I paid 0 down for is included with more service because of the 2.5GB of hotspot and SimpleGlobal for when I go to Jamaica next month
Just a matter of if it works out for you, I'd probably be waiting on the Nexus5 if I still had metro