You are not charged for incoming texts or calls as long as you don't answer them. If your not planning on using your phone you might as well just put it in airplane mode and this way your not charged for accidental usage.
Thank you both. I must keep my phone on so I can see IF I get an urgent phone call which I can then respond to. If that happens, then it doesn't matter what the cost is to return it. As long as I can see WHO has called and/or left a message that will be ok.