Best way to purchase iPhone 6 for existing AT&T customers?

I am existing at&t iPhone 5 customer with no contract obligations and an unlimited data plan 
I Would like to purchase the new iPhone 6 in the most economical way possible without jepordizing my current unlimited data option.
I Would also like to avoid any upgrade fees or sign onto another 2 year contract. 
I do not mind buying the new iPhone at retail cost if this makes the most sense.
Sugestions welcomed. Thanks.

You have listed all the available options for Cloud memberships. There are no other bundles available.
Basically, if you want 3 or more apps then a full Cloud membership at $50/month is your most cost effective option.
I suspect, like you, most Cloud members would spend most of their time in half a dozen apps at most. Everyone's half dozen is different.
When you say "purchase" you're aware that you're only renting the software? You don't purchase them. If you want to use them you pay your monthly membership. When you stop paying, the software stops working.

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