So max $300-400 cost to me on the very unlikely (for me) chance that I have to change service in the next 2 years vs. an absolutely certain several hundred $s o

So max $300-400 cost to me on the very unlikely (for me) chance that I have to change service in the next 2 years vs. an absolutely certain several hundred $s off the price of the device? Doesn't seem that insane unless I'm missing something.