I think your 3/4G speeds must be a great deal faster over in the USA than here in the UK, where IME they can be abysmal unless your right close to the source, indeed there are still parts of the UK where your'e unable to get a signal at all..lol Where I live out in the sticks in Herefordshire, I sometimes have to go outside to get a usable signal on my mobile phone, yet a mile up the road and its full strength.
Re. having the cash back in your wallet, one could always opt for a refund if your still inside Apples 2 weeks grace period. ;-)
You too? In Southern California. There are areas where you have no or very weak cell coverage and that's in some small town near the coast!