I want a no-contract phone. T-mobile has a plan called EvenMore Plus in which you don't have to sign a contract. The thing is their phones are expensive even though you can pay for it little by little. I can't decide whether to purchase the phone in-store (T-mobile Tap) or buy an unlocked phone online? What's the risk? If i purchase the phone from the store and has any problems I can always go back to the store and get it fixed or get a replacement, right?

Any suggestions? I'm so confused!