Honestly, stay put @ $20 a month with reliable coverage until you're ready to join the smartphone people.
And when you are ready... this is what I would recommend:Get an unlocked Nexus 4 directly from google. Its either $299 or $349 depending on how much onboard storage you want. This is very cheap for an unlocked and unsubsidized phone, but don't let the price fool you, it is one of the best smartphones on the market right now.
Thanks for taking the time. I agree it is not worth switching except as a way to add smartphone. This is a loyalty plan, so if I do switch I cannot get it back back. I can add Verizon's $30/mon 2G data plan to it for a total of about $59, though I would qualify for a discounted phone. I am definitely more comfortable with the scope of the Verizon and AT&T networks. As infrequent as it may be, I don't want to be out of town and not be able to use the phone. T-Mobile's network looks it might be okay, but I'd like 1st hand confirmation. I looked at a web site where people self-report and it wasn't so good, but I assume more people report problems than good service. So, I am just hanging out with my little plan, keeping an eye out for new options or sales and at some point I'll switch. If my phone broke, I go straight to smartphone vs. replacing with another flip.Which MVNOs use ATT or Verizon? The only one I am aware of is Straight Talk, which would still be on the pricey side for my needs.