Oh, also consider that there won't be a credit check when you upgrade. Whereas switching providers there will be. You might have great credit and not worry about it but it's worth mentioning.
Just a heads up, customers were always paying the full price of the device. Before the tab charge was just split up as some extra $$ on your plan, and a smaller separate charge.
Right now if you take a look at Virgins plan, you will notice the total cost is the exact same as Koodos Plan+Tab prices. The big differences are that if you pay off your tab, the extra cost goes away with Koodo whereas with others it doesn't. Also if you pick a phone that is a lower price, it directly translates into a lower Tab charge. Try seeing what happens with another carrier if your handset if $50 cheaper. With the other guys, unless you drop from one tier to the next, the phone price doesn't make a difference to your bill. So if your phone is $250 or $350 you pay the exact same up front and monthly bill, with Koodo that same thing means you would be saving approx. $2 on your monthly bill.