What is the best plan for an unlocked iPhone in the US?

I'm sorry if this has been asked before. I am thinking of buying a no-contract unlocked iPhone from Apple.
I currently have a no-contract iPhone 4s on Virgin Mobile (USA). My plan is 30$ for 300 minutes, unlimited text and unlimited data. Since VirginMobile is CDMA, I'm guessing they don't unlock their iPhones or let other SIM cards work on the iPhones issued through them (this is assuming the 4s has the GSM capability).
I want a no-contract unlocked iPhone just so I will have the flexiblity of using it overseas since I'm usually making a trip once a year.
My questions are:
If I buy an unlocked iPhone from Apple (thinking of getting a 5S, 32 GB in white and silver), are there any plans that I can use that are as cheap as VirginMobile's?
I have heard that Verizon iPhones come unlocked (although they have to be activated through Verizon, but a T-Mobile sim can be used and so on). Is this true? Are AT&T iPhones the same?
Will I be able to keep my current cellphone number from Virgin if I switch to a no-contract iPhone and start using a SIM card?
Thanks!

Thanks, Meg.
So would a Verizon device-only iPhone 5S still be the better choice if I plan to use GSM in the US (and not the CDMA part of the Verizon iPhone which would lock me to their service).
Ideally, if I had the device in my hand, I would like to use TMobile's prepaid plan (40$ for unlimited talk, text, and 500 mb of data). Upon getting the phone, couldn't I just discard the included verizon simcard (without my activation) and just pop in the TMobile SIM card since the Verizon device-only instrument comes with the GSM unlocked? ( In other words, I don't have to ask Verizon to unlock the GSM part of the iPhone 5S )
Also, if this is what my goal is (to use a prepaid Tmobile sim), I could just buy an unlocked sim-free iPhone 5S from Apple, right? I dont have to ask for a Verizon device-only iPhone 5S if I want nothing to do with Verizon or use their CDMA service? I'm guessing a device-only iPhone 5s (regardless of carrier label) is the same as unlocked sim-free iphone 5S?

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