This is exactly how these companies make their money. That's the whole scheme behind the upgrade policy's. They jack up the price of the phone for "full retail" and offer it at what it should be at for a 2 year contract (well, 20 months). We all know these phones aren't worth $500-$600+, considering you can buy a laptop for the same money. The service providers want you to be "stuck" with a phone or pay them full full retail, so when its time to upgrade, you'll pay the considerably lower price AND lock in another 2 years, or pay an early termination fee.. So it's a win win for the service providers, they get you if you pay full retail, they get you if you terminate early, and they lock you in when you upgrade.. pretty good huh?
EDIT: forgot my main point.. my point is, their isnt a phone that incorporates ALL the features you would want in a phone, and probably wont... why the iPhone is doing so well without changing much is beyond me...look at the craze the 4s created and the only difference hardware wise is a new processor and a 8mp camera (which MP's is also a gimmick).. i think iphone is an exception because people who use apple are essentially in the Apple "cult"