If you're a broke college student, yeah, you probably don't need a smart phone.

Of course nobody needs one in the way they need oxygen or food, but if you're an average professional adult with a reasonably good job, the $100 a month is not that great an expense for a combination music player, camera, GPS, social networking, and, oh yeah, a phone too.

I went with the unlocked phone and prepaid SIM route, so it's only $50 a month. I feel like I'm beating the system.