On pricing my SE (which I ended up picking up cheap on Craigslist), it turned out
$x contract phone cost + $y * 24 months = about $100 less than buying myself. Makes sense, volume pricing and all. Reasonable.
Except, small print, hardly mentioned, gone is the carrier's $5/month discount for BYOD.
Not only for 24 months, which would make contract about the same. Forever.