So iPhone payments is gonna be the cheapest way, not fussed on AppleCare I have it covered through my bank and house insurance
Yup. iPP + SIM ONLY from your chosen provider has been the cheapest way to own an iPhone over carriers contracts for a few years now. Plus you get the flexibility of trading in every year and starting again for no added cost. For me, ive paid basically the same for the last two years and had a new phone every year...