A:AnswerYour question doesn't give me good enough information to answer it. I suggest you go to your Best Buy store and ask them as I've found them very knowledgeable.
A:AnswerSince the new phones are out the 7 is cheaper however since sprint isn't the best network it's discount is the cheapest then AT&T is $18/mo and Verizon is $22/mo.
A:AnswerDo you have to buy it? No.
Should you buy it? Yes, as it will give you peace of mind. As with any electronic equipment, there might be a flaw or something could happen that would be covered.
It's sort of like car and/or homeowners (renters) insurance---You buy it, even though you hope you don't have to use it.