Apple $269 replacement vs. ATT Next Upgrade


tl;dr - 5c water damaged. can either pay $269 , walk out of apple store new 5c or next upgrade att , pay ~$40 in tax front , $??? on bill every month. cheaper? , if next upgrade (it's 18 month one) give actual upgrade comes in december?
 

replacement 5c apple going cheaper. next end paying full, unsubsidized cost of phone on months.
 


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