To be fair, always need to calculate to see what works best.
CIS discounts and corporate roadshow promotions can really skew the cost-benefit ratio, especially in the past for people who had 40-60% CIS discounts. They could sign the $80-ish dollar plans (back then would be the $50-60ish price range), with 60% discounts they pay almost nothing upfront for the top end iPhones/Galaxy Note and their monthly sub is like $25 or so per line. Sometimes corporate roadshows also have additional phone discounts of $100-300 off so it makes it even cheaper.
A good friend who worked in a bank used to take these deals for her family of 5. Every month pay about $25 each line with Caller ID and roaming, iPhone 256GB almost free (or under $200ish - for the equivalent of today's Pro series), with plenty of talktime and all. When she was retrenched, this was her big regret - I had to help her move to SIM only plans cos her expenditure suddenly shot up after the 2y, and she only became aware of how expensively iPhones really cost now. Till today she's still holding on to her XS cos she can't justify the expense, while her husband is complaining why got no new phone but refuses to pay for it.