I've been using T-Mobil for more than a decade, but I determined very quickly that the best plan for me was no plan. Instead, I pay in advance, .10 cents a minute - that's it! It's a great deal for me because I spend very little time on my cell phone, I don't play around with apps, just use it to call someone, or have them call me, and I don't usually talk very long. That prepay plan allows me to purchase 1,000 minutes for $100. My annual cost is usually less than $200.
As for cells, the only place I tend to lose them is when I'm more than 15 miles out in the ocean, and even then, I sometimes get a weak signal. Not bad for a $32 Walmart flip phone.
All the best,
Gary
Sounds like your plan for no plan is indeed a good plan for you. Yes, the key thing, I think, is determining your needs yourself (not the phone company) and then shopping around based upon them. To me your minutes are very expensive, but then again your annual cost is only $200. I wish I had been as wise in buying music gear as you have been with your phone plan.

Anyway, I pulled the trigger today and switched to T-Mobile. It is interesting to note that about 15 years ago or so before we had switched to Cingular/AT&T, we had been paying $100 a month to T-Mobile for voice calls, but now we are getting a lot more features at the cost $120 a month and we will be saving about $1,200 a year over AT&T. $1,200 extra money? Oh, no. The Casio PX560 happens to be $1,200...... I can identify with the person who said, "I can resist anything except for temptation."
With Regards,
Chris