If you don't live in an AT&T service area, you can still get the digital one rate plan by furnishing an address somewhere in their coverage area. I live in a rural part of NM, where celluar rates were ridiculously high when I switched to AT&T (they've come down quite a bit since). I use an address in Oregon and have an Oregon phone number (no NM numbers are available from AT&T). This may strike my friends and clients as a bit weird, but aside from that it works great. The folks who care about paying the LD charges just page me and I call them back, since with One Rate it doesn't matter whether I originate or receive the call--it's the same price. I roam all over with this phone and am very happy with it, although NYC is a tough area, and some areas in SoCal are iffy sometimes, though they seem to have gotten better this year.
I have had occasional problems in rural areas in NM, where GTE is the biggest carrier and you CAN'T roam on their system with AT&T. Sometimes I have to pull over, turn the phone off, then power up again to register the right tower. Not a big deal once you're used to it and know what to do.