The few days of earlier availability for a Lumia 950 purchased thru ATT will appeal to some, but you might also consider that an UNLOCKED 950 will also be available shortly ("Ships by Nov. 25") directly from the USA Microsoft store for $50~ $100 less than from ATT. An unlocked 950 will receive future software & firmware updates directly from Microsoft — rather than waiting sometrimes for a year or more, before ATT decides to deliver those updates to the ATT-variant of the same model. Microsoft's return policy is also more-forgiving than ATT's: NO restocking fee, vs. 30% at ATT. Possibly, the best reason for purchasing from ATT, is being able to pay for the phone over many months, but that does lock you into an ATT plan 'til the phone is paid-off...