I always buy my phones outright, instead of on contract. Simple requirements - unlocked GSM, SD card, great camera, GPS, removeable battery. I'm still using my Nokia N8 with infinite storage, 12 Mpix camera, etc., with H2O wireless service. I have an unlocked iPhone 5 that I use as an iPod, but, as a phone, it's not very good. The best thing about using a Symbian phone is that they're rarely hacked, they use less processing power to do similar tasks to iOS and Android, and the GPS works when I'm offline [duh, airplane mode]. Also, with any unlocked GSM phone, I can use any SIM, anywhere in the world for cheap cell service.
Those are my requirements. YMMV. Might get a Nokia Windows phone next, or put a SIM card in my iPhone.