I went to an at&t store today and damn, the saleswoman who I talked to was ridiculous
I asked her how much it would be and she angrily responded, "The full price, it's like $700". I asked if there was any way if I could get the phone at a cheaper price. She told me to add on a second line. I told her I didn't want two lines and then I brought up the idea of canceling and then signing up new again. She then looked at me like I was asking her if I could sleep with her mother. I then had to get some education on and added up the termination fee, the registration fee, and the subsidized cost made it far, far cheaper than $700. She still wasn't convinced but she gave me the number to cancel the service.
Now if what you say is true that I have to wait 6 months, before I can get a subsidized price, well then that decides it for me then... no more iphone...