I'm one year in to my iPhone 5s experience. I want to see how big it feels in my pocket and hand before making a decision. IF I did get one, it might be for my wife so she could pass the iPhone 5 to my son (currently has a iPhone 4s) since she does the lion's share of the shopping. ApplePay would be something that she would make better use of than me. In that case, I think she would be perfectly fine with a 16 GB iPhone 6. Since she's on T-Mobile, it's full-price for the phone, I believe $649 + tax.
Hmmm, looks like I need to wait until February of next year before Virgin Mobile USA (my current carrier) will comply with the new Unlocking legislation. So I guess I'm "stuck" for now.