It will cost you a much faster phone, bigger screen, the ability for 4g, and about 31 gigs of storage
the only thing the iphone costs more with is the insurance i think its like 3 dollars more other than that nothing different
Money wise nothing but the insurance $3. I like it as well as AppleCare plus $100 for 2 yrs which includes damage for $50 deductable but the vzw has a lot of pros as well.
I would personally get the iPhone 4s some people would say they update it more since it was out more recent. Also I like the extra 8gig for music pics emails apps etc. Love the processor to it can Handle more. Our house has both and I can tell the difference alittle bit not to much that you would hate the 4. If you need slightly better battery life as well. I came from a thunderbolt and for me this is more reliable.