I told my wife this exact thing last week when she mentioned our phones were paid for and ATT is offering discounted upgrade or a decent trade-in. Two days later I dropped it awkwardly and cracked the screen even though it's in a slim case. I used my phone insurance for the first time ever a month ago to fix a cracked screen with $0 deductible and a house-call repair. I haven't looked yet, but I assume this time will cost me $50 or $100. I'll probably do it anyway, but it's the first thing that made me consider replacing it because it works fine for everything I need it to do.