Heh, ya thats what happens when you try to ignore Electronics, it moves so fast and kicks you in the butt, later.
I can not really help you with Verizon, since i dont live in the US. However, when i was living there a few years back i remembered that Verizon was the only company that didnt have SIM cards, i dont know how it is now. If they do, i think you should be able to use any phone.
Pros of buying from Verizon:
- cheaper price
Cons of buying from Verizon:
- you have to extend your contract
- you get Verizon branding, which could include Bloatware
- incase of resell, only Verizon customers can use it
It might have changed but that was when i use to live in the US, back in 2007.
In the long run it doesnt sound like youre going to switch phones anytime soon

so you can also try here for some Verizon branded phones.
http://wireless.newegg.com/mobile/verizon-wireless.aspx?referringdomain=newegg&refcode1=EGG_9999_001_LNav_VZWDeals&name=verizon-deals
Dont get fooled by the price because that usually counts if you want a new contract, but if you want to extend your contract you pay more. I hope i could help somewhat, even though i dont really deal with Verizon.