I bought the N1 unsubsidized. At the time, it was the $529 or $199 subsidized with a 2 year contract. Of course, over those two years it was an extra $20 a month on T-Mobile so $480 extra over the two years which is more than the savings from the phone. As for my monthly charges, I get 500 anytime, unlimited night and weekend, unlimited text, unlimited web for $67.78 after taxes. Broken out, it's 29.99 for minutes, 10 for text, and 20 for web according to my statement. Plus I can tether. Compare that to my wife on an iPhone 3G who's paying $89 or so after taxes with similar minutes, limited texting, and soon to be limited data. For me, that's a huge discount.