I agree; choose which plan you think fits your needs best, and go from there. I will say, I donít use my phone much for calling at all, and I was tired of paying for service I didnít use that much. I had Verizon; no smartphone, with a basic plan, and texting plan. It still cost me about $55 a month, but my phone was old, needed to be upgraded, and I knew Iíd also end up paying for a data plan, even though I didnít want or need one, because thatís how they are/were. Very few phones they had at the time were non-smartphones.
Then they went to their ďsharedĒ data plan, which for me, as one person, with one device, wasnít financially a good choice. I would have been paying about $100 a month. Again, for something I didnít use all that much.
So I went with Virgin Mobile. Pay as you go, no contract, 300 minutes and unlimited texting and data. At the time I switched, it was $25 a month, and has since gone up to $35. ButÖit suits my needs and budget. They also have plans with more minutes, for a slightly higher monthly cost. You do have to buy the phone outright, which you can do from them online, directly, or any number of retailers. And you can pay monthly, or top up enough for several months at at time.
I got mine at Radio Shack, and have a Samsung Galaxy II, which is a couple models behind, but I still love it. They also offer the iphone, but again, you pay full price. But even doing that, if you figure out the cost between that and say a contract plan, per year, you still come out ahead. Iíve had mine several years now, and havenít looked back.