That's what I'm thinking, go with Cingular and just get the one. From what I can see, though, the pay-as-you-go plans work out more expensive than just getting the cheapest regular individual plan, unless you plan on cancelling service before the contract is up.
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My plan is:
If (phone==used) then charge $1
If (otherperson <> cingular customer) then charge $0.05/minute
So when I don't use it I don't get charged. Since I only use my phone maybe 10 days a month it is cheaper.