IT sounds like you might be self employed, as I am.  I purchased a spare phone from eBay for $219 that has the same size SIM card.  If anything happens to my main phone, all I have to do is move the SIM card.

All carriers are lowering service costs, so in exchange they are being very strict on equipment.  We buy it, it's ours, if it breaks, that is on us.  Either we have to carry insurance, or buy a replacement at retail cost.  I have two used phones I bought online and the rest of my phones were purchased at full retail cost.  I don't insure and in 20 years, my son is the only one who broke a phone (puppy found it and returned it with teeth punctures).

I Guess my message is, you can switch, but you may find the same problems elsewhere.