Does an iPhone 4s or 5 have all radios in it?

Is an unlocked iPhone 4s or 5 truly capable of working on all networks??? I am currently a Verizon customer and while they are the best carrier in my current market AT&T and T-Mobile both have markets where they are much better than VZW. Also, I have just about had it with VZW nickel and diming me every time I turn around!!! VZW might be the best carrier in the Southeast US from a network standpoint but they are the worst on cost and shenanigans. Buying an unlocked cell phone that does not work on ALL PLATFORMS is like buying a new car that will only work with Shell gasoline.
So, if I buy an unlocked iPhone 5 can I activate it on a CDMA or GSM network with T-Mobile, AT&T or VZW (or God forbid Sprint...the worst of the four in every market)?
On another note, I had one of the original iPhone 5s when they came out and had the time sync problem so I returned it; have they fixed the time sync issue yet???
Thanks!

MVNO's ????? What are these?
I understand that some of the discounters like Walmart are reselling several packages, one of which is called "Straight Talk." One of these is a repackaged VZW service I am told. Would a Verizon 4s work on the Walmart version of the VZW service? I suspect VZW has implemented something to keep folks from bailing on the more expensive VZW direct in favor of the generic VZW service.
The more I think through this the more I dislike VZW! The devil you get with AT&T or T-Mobile is dropped calls and spotty coverage in some places but you can always take your expensive device and go to another GSM provider; VZW on the otherhand is painting customers in a corner with abusive business practices and crazy fees.
Wish there was a carrier with a robust network and a reasonable set of business practices, they would have all the business!

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