Hmm. Ive always upgraded my phone to the first model releases (went from iphone 4 to iphone 5). I'm debating if I should hold off until the iphone 6s (or whatever they will call it).
It may actually be one that I will purchase at full price. I'm currently using a 5 and out of contract so to keep my unlimited data, I don't take subsidies. I really want a larger phone, but don't want Android, so I'll wait.
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I am like you. Off contract and been using my iphone 5 since October 2012. It is cheaper for me to keep my old Verizon contract and buy a new iphone every two years than to get a subsidized phone and sign a new contract every two years. These share everything plans do not work for individuals like myself.
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Do you know when apple will announce the new iPhone? O and yes am gonna get the iPhone 6.