the best solutions are always simple. I cycle virgin media and talktalk or other provider and use quidco or topcashback for there large cashback offers. 4G just sounds alot more complex and riddled with problems. instead of going with a 4g phone and package you could just get a 4g phone with a 3g package making it cheaper. Iv got a samsung s4 on orange (3g only) and pay around £30 a month including everything i could ever need plus more and insurance.