Well, for me - at least for the next 2 weeks - the issue is moot. My beautiful new Iphone6 was pickpocked on the Metro in Barcelona today. It has been a painful 3 hours getting everything turned off and checked, but the only loss seems to have been the phone. By the time I got to check via the icloud, the phone was already turned off, and T-Mobile shows no transactions post-loss. I hadn't used it for several minutes before so it was locked down in any case.
I'm a great and careful traveler, but this was one of those "run into you agressively" and strip open your pockets before leaping off the train. I feel violated. Since it had been in my pocket for at least 15 minutes the guy had no idea what I had and was just fishing. Sigh.
The main issue is that I'm traveling for 2 more weeks, and they have no way to get me a replacement, either with my number of with the ability to transfer calls to the new number, since to do so would mean they couldn't totally disable the account. Just changed to simple choice, and will really miss seamless access to my world - at least I'll have the laptop but won't be able to do things like download my BPs onto the phones passbook. Makes me realize how attached we are to our phones.
New phone already ordered and I hope it will be waiting for me on my return to the states, but there is a huge amount of angst at the moment!!