For me, I'm taking a risk and buying the 929/ICON off contract, once it becomes available. I also have unlimited data with Verizon. My 2-year contract is up later this year, so I have to buy it at full price anyway. This way, I can keep my unlimited data plan. I think that I pretty much have the best plan there is anyway - single line, unlimited data, unlimited talk, unlimited text, and unlimited MMS, and I don't plan to change it. It's about $120 bucks a month after all taxes and fees, but worth it. I use my phone a lot, and love the plan. I travel a lot around the US, including rural areas, and never had an issue with dropped calls on my end.
I currently have a Lumia 822. The Micro USB charger won't work unless I bend the cable (an issue I've heard is common), and the MicroSD card got corrupted. I had to resort to getting the wireless charging back in order to avoid getting a crap refurb, and I don't feel like getting a crappy refurb. I detest iPhones and iTunes, don't like buggy Android phones, and my last BlackBerry would reboot itself like there was a ghost inside it! I won't get a Lumia 928 since the ICON is supposed to be right around the corner.
I plan on buying the ICON directly from the Microsoft Store, and pay the $99 insurance for 2 years. I found that if you buy the plan and have damages for any reason, you pay a $50 deductible and can get a new phone right there within minutes. No crappy refurbs!!!!!!
Supposedly, most, if not all current all 8 phones are supposed to be upgradeable to 8.1, so I'm not worried about that.
Just my 2 cents.