ive been reading how everyone is saying that there's a $10 bucks charge monthly plan fee for the series 3, I checked on ATT Site, I can get the Apple Watch 3 using an installment plan for 21 If I'm not mistaken. So is it the installment plan which is $21 bucks monthly plus $10bucks = $31 monthly just to be able to use the watch for the next 20months (since the monthly Watch installment is 20 months) ? Can someone correct me if I'm wrong? Plus whatever plan my phone has that I'm using too? Is that correct? Thanks!