in my opinion, it's a better thing to by the phone with a carrier at 200$ or less with a 2 year contract then at full price a 849 CAD...
it's not avery body which have this much money available for a phone...
I understand its your opinion. My neighbor's opinion is that smoking doesn't effect your health. The amount of water an opinion holds varies greatly.
First, you do not necessarily pay less for the phone if you pay $200 up front and then a bunch every month for two years. BUT you definitely have all the following downsides:
If you want to get rid of that phone any time in the 2 years, you are screwed. Maybe you move to somewhere the carrier doesn't service, maybe you fall on hard times and can't afford the monthly fees, maybe you fall head over heels in love with some new killer phone from left field.
If you OWN your phone, none of those are a problem. You simply SELL the phone you no longer want or need and move on.
Now I understand you may not believe or don't comprehend that those things could ever happen to you but that's the same kind of logic that people who eschew seat-belts use.
Then there are the issues with carriers delaying or denying updates or otherwise crippling a device (less memory, no Qi charging, etc.).
If you can afford to pay $200 up front and pay a monthly fee to some carrier for 2 years, you should be able to put all but $200 on your CC and avoid all the downsides of carrying a contract phone from your carrier. And you'll save a bunch on things like damage insurance. Carriers charge a fortune for that while other phone retailers will sell a 2 year zero deductible for about what the carrier will charge you for a few months.
Don't be a slave to a carrier.