Gave up on contracts about 8 years ago. Found contract prices kept increasing but value didn't, and phones were no longer free anymore. Plus they were locked to the carrier.
Decided to go SIM-only route and buy my phones outright. Don't regret my decision one bit.
Used to myself. Time again, from my other post / example:
You wanted the green one eventually didn't you? I just made some calculations myself.
On Three UK
Sapphire Black 128GB
Unlimited data, texts and calls
£59 / month + £49 one-off
Cost over 24 months: £1,465
Emerald Green on Amazon, same spec: £770 (1,049)
PAYG SIM
£15 / month
Unlimited data, 300 minutes, 3000 tests
Cost over 24 months: £1,130
Guess I pre-order the green one.