Sorry if this is repetitive but I checked other threads and couldnt find a definitive answer. Full retail = $559 2year contract price + ETF is 199 + 175 = $475 I saw a bunchof threads about buying the Droid for full retail. What are the downsides to opening a new line and then paying the ETF and keeping the phone? Is there something I'm missing? I've heard that if you pay ETF in the first month that Verizon charges you the full retail price anyway? Is there any truth to this?