&gt; You paid $200 for a flagship, or nothing for a clunker,<p>Nope. I paid $170 for a Moto G a few years back and it was a great choice. I got a fairly modern phone. Not too big, I don&#x27;t like big phones. I got updates at a pretty good rate. And the best thing, I don&#x27;t have a contract. And if I sit on the phone and break it, I&#x27;ll go and try to buy another one. If I bought a $600 and sat on it and broke it, I would be rather upset.<p>That&#x27;s happened with a previous phone. And a family member said, &quot;Well why don&#x27;t you buy insurance for it&quot;. I noped on that and set a new benchmark for my mobile phone -- if I am too upset if it gets destroyed or broken then I need to buy a cheaper model, I can&#x27;t afford the expensive model. $200 is about that price point currently.