Mobile phone contracts!

So there really seems to be a strange distribution of who owns and who does not own a mobile phone contract in this world. For instance I've met many, many individuals who can scarcely afford to put a decent meal on the table who wave around Blackberries with unlimited minutes as though they're just toys (and often break and somehow get free replacements for them), and people who can afford the phones but are just too savvy to realise that spending £1000+ on a phone that will soon be outdated by a newer model may not be the best use of their money.

Personally I've never spent more than £100 on a phone or more than £10 within a month actually using it.

So what about you? Do you have a paid contract, what kind of benefits do you get? Or are you using a phone on a top-up basis?