You're locked into what for 2 years?Because you're locked into it for 2 years
Buy the shyt outright so you're not forced into stupid deals. For all you know the next Iphone could be a dud, but you'll be obligated to upgrade because you've already paid them more than the damn thing is worth.
You don't understand how these contract work

One says there's no contract, the other says that's not how the contracts work. 
That's why you get the phone u want so you don't fukk Yourself over