I predict in a week or so you will grow very tired of the iPhone and will regret the purchase. Aside from apps, Windows phone demolishes the iPhone.
With the iPhone, you can change your wallpaper = whoop-de-doo! There is nothing even close to live tiles and the OS is made for a child to use.
Also, I have not done contract phones in years. Just pay full price and be done with it. Also, the Nokia Icon (Verizon version) works fine on T-Mobile if you grow weary of the iPhone and want to try something else..