Wanting to buy a factory unlocked phone, which provider to use?

I've used a 3GS for the past two years in Japan and it will always be locked to Softbank. When I come back to the states this week (1/25/12) it will end up being just another iPod. (Baseband is still unlockable at this time.) To save me from this effing hassle again, I'm wanting to buy an iPhone direct from Apple so it will be fully unlocked. More than likely I won't be staying in the states so I'll need a phone that is unlocked for any country.
For those of you who have bought a phone from Apple, which USA cellular provider did you end up using? Do they all work as long as they support GSM? What about the prepaid plans? If I bought a prepaid phone would the SIM card work in the iPhone after it has been cut to size?
Thanks.

The only officially unlocked iPhone, sold by Apple, is the GSM version. That leaves only two nationwide choices, for carriers, in the US: T-Mobile or AT&T. T-Mobile permits pre-paid plans, for the iPhone, on their network, AT&T does not. At&T will require a contract or post paid plan(month-to-month). If you use T-Mobile, some iPhone features will be unavailable: MMS, FaceTime, Visual Voicemail or data on their 3G network(not compatible with the iPhone). The reason being that T-Mobile is not an official iPhone carrier in the US. That leaves only AT&T, if you want 3G data and all iPhone features.
No need to cut your sim, as both AT&T & T-Mobile provide micro sims.

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