Against all better judgement and seeing as I can't afford anything outright, I am going for the s4 & gear combo. To buy outright with just the phone would cost £660 whereas this will cost £696 with the watch which I could sell for at least £100 which would put the deal at £596 which considering an s4 at the mo costs £300 meaning id get 24 months for £296 (500 mins, unltd data & texts) isn't bad I don't think. 24 months on a sim costing £15 would be £360, so I'd save £64, more if I sell the watch for £125-£150.