Upgrade question (On a 12-month cycle)

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i'm main number on account have family plan i'm eligible upgrade every 12 months. i'm eligible because got 4 day came out.

let's buy 4s day comes out , apple comes out next iteration of iphone in summer, before 12 month window comes up. pay fee upgrade or have pay full unsubsidized price?
 

one shameless bump.
 


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