Excellent info; thanks everybody.

Desperado, I want to take advantage of your SME status. What do you think is the best way to go to get a backup cellphone using AT&T? I keep my primary (currently only) phone from Verizon on my belt, but I'm thinking of stashing a backup in my shoulder bag. I'm fine with a prepaid plan but I don't want to pay for minutes that melt away constantly.