That's not a stupid question if you don't know the answer. I bought my factory unlocked 4 in July last year off ebay, NIB. I paid a bit more for it than I did for my factory unlocked 4S from Apple two months ago. Yes I paid retail prices for both phones but I can use ANY provider/carrier in the world. I travel a lot. I don't have a contract with anyone, I have prepaid plans. At the moment I have a data option along with a prepaid plan for calls & texts. The flat rate data costs €9.90 a month, the first GB is unthrottled. I rarely approach a GB of data use in a month.
In the long run all this is cheaper for me than to buy a phone for $25 or more, have a 24 month contract, and have to use the phone world wide.
Sent from my iPhone 4 using iPF.net