I usually keep my iPhones for about 3 years and use them heavily. That's less than $0.75 per day difference in cost, and if the improved experience (which I get

I usually keep my iPhones for about 3 years and use them heavily. That's less than $0.75 per day difference in cost, and if the improved experience (which I get every day for the 3 years) translates directly to cost (admittedly a little silly), 5% of $200 is $10, so that seems worth it.