I always go through Verizon. I use the plan were you pay a monthly interest free payment, you can payoff at any time. The iPhone pays off in 2 years and I just continue this payment with the latest iPhone. The old iPhone is sold to Gazelle. You are not paying any more or less, I always get Apple Care. Even if you don't use it you have priority phone support from Apple. Plus there are Verizon stores everywhere, not so with Apple.
I have that same plan with T-Mobile and was thinking of doing the same with Verizon but I don’t want my Verizon bill to be so much more expensive than T-Mobile, so I’m paying outright this year. I already have my account ready with the funds including taxes and AppleCare+.