Buying phone through Apple vs. through AT&T

I love my first gen iPhone and am excited about the 3G-S. I was able to buy the 32GB phone for $299 through Apple online...kind of a late night spur of the moment purchase. Anyway - come to find out that if I were to buy through AT&T I would've had to buy for $499 since I have 7 months left on my 2Year contract. This new 3GS is coming in the mail...anyone have any ideas on the trouble I may have upgrading to this phone through AT&T? BTW - I called AT&T and told them I purchased it through Apple and they just said , "Just call us and we'll switch it over". (But I didn't tell them I bought it for $299)

ATTGuy,
I have a similar issue. I currently have a family plan with one 8GB 3G iphone and three "free" ($200 retail) phones. None of them are eligible for upgrade yet (but I am eligible for a $499 early upgrade to a 32GB 3GS). I want to get rid of one of the other phones, buy a 32GB 3GS, and give my 3G to my daughter. Any idea if I should just pay the $499 and add the $30 data plan to my daughters phone, or if I should pay a termination fee on one of the other phones and swap the numbers around?

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