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I find it odd that it's the same price as the cheapest lumia phone...

That's an on-contract price. Isn't this one, the 215, off-contract?

They did say it was before subsidies, so appears so. At that price, buy a second one for a spare. Or a fashion accessory.

The 520 is a great phone. It's snappy and definitly feels smoother than low or mid-end android phones. WP8.1 is pretty awesome on weaker hardware.