Need help with my AT&T HTC Tilt2 Master Plan

[templefugate]

I want one of these, I need one of these, I need a fix for my dead Axim X51v.
Here's my situation; I'm I tight wad who refuses to pay the outrageously high cell plan (see my intro post) rates. I also refuse to pay the jacked-up prices the hardware manufacturers charge for phones. WireFly has the AT&T HTC Tilt2 (Touch Pro@) free (I know, nothings free). That's with a 2yr contract, $36 access fee waived in 3rd month and a $30 data plan required. I have a cheap T-Mobile Nokia with Prepaid SIM. My plan; Buy the Tilt2 with contract and $49 insurance. report the 1st Tilt lost after 1st month. Cancel contract by 2nd month once 2nd Tilt2 received. @ this point, I'm out about 200 in monthly's, $175+36 act for two new phones (the 2nd which could be sold to recoup my costs). Then I unlock the phone and use it to make basic calls thru T-Mobile and do email and net thru my router. 1st, anyone see any problems with my plan? 2nd, besides the unlock (any recommendations on best place?) do I need to make any other changes to switch over?

Temple