Thanks everyone for advice. I bought a white unlocked Rogers Lumia 920 from Negri, got it on Friday, and it's been working like a charm.
Until today.
Apparently, I am a victim of the 1308 update. After the update, I get horrible service (practically no service at all). Afraid to hard-reset because the probability of bricking seems so high and I have no time to fiddle with the Navifirm workaround for that.
So, instead of making my life happier and simpler, Lumia 920 just stole a shi*ton of my time today and doesn't even function like a phone. And since, while trying to redeem the situation, I installed the "access point" app that cannot be removed, I might be effed even after (if) Rogers pushes the next update (1314 I think). My life was cut short by probably a year by the amount of stress this is giving me.