Would someone, with direct personal knowledge - no guesses or - TopicsExpress

Would someone, with direct personal knowledge - no guesses or think so - please give me some accurate information, regarding the Apple iPhone 5-S? I know about the phone configuration I want; so, I am not interested in phone prices. I would like to know: 1) Is the data/voice/text/internet plan all bundled as one price? 2) To have a reasonably functioning phone - beyond what comes standard with the phone - does one need to download/pay for many apps? 3) Are apps priced with widely-differing prices? 4) Is Apple the only provider of reliable apps and are they warranted to be virus-free? 5) Is signing up for a two-year agreement, the most cost-effective way to go; considering I am not interested in changing phones, every three weeks, when the next greatest version hits the stores? Please any help would be appreciated. Havent ever had a smart phone; got by just fine with a non-descript cell phone; so, I am a neophyte (some might suggest neanderthal) with regard to this technology. Thank you, in advance, for your help.

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