New activation of the iPhone

I have been trying to research the costs of a new iPhone. I am currently an AT&T customer and have three lines, only going to get one iPhone for now. I have read that in some cases people's bills have been cheaper than what they previously were. What are some of the hidden costs, activaton fees, accessories, etc. Any suggestion on needs that people may love. Is there insurance through AT&T or Apple. Any suggestions as what the best route to go. Any comments on people's bills. From the posts I have read everything seems to be normal and people just love the iPhone. Thanks for your time. I really just want to know what costs I am looking at when I go in tomorrow.

apple care rocks.......at&t insurance *****. If your phone breaks, they only send you a refurb phone anyways, and refurb phones are nothing but a disaster. If you lose you phone, chalk it up to a loss, don't screw around with refurb.....imho.
Applecare is the first warranrty have ever bought and it worked AWESOME on my iMac, so with this being Version 1 and the amount of use a cell phone gets, having the apple care was an absolute no brainer for me.
I paid $36 and I am with AT&T, so bottom line is it sounds like it varies on who gets it and who doesn;'t

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