I know one thing for sure! Those AT&T ASSociates lie big time! I've caught a few of them in bold face lies to sell a phone. If it weren't so labor intensive, I would pursue my findings further but it's not worth it. I've been told everything from AppleCare covers a cracked screen to, 4G is about a month away. I stared out with the HTC Inspire and hated it, I now have the iP4, it is twice...no more than twice the device of the HTC. As far as the other stuff you asked about, I'm not sure.
Why do I stay with AT&T you ask if I'm treated that way? Well, I have learned recently that AT&T's customer service (on the phone) is impeccable. Anything to make me happy and resolve issues. I've never seen anything like it. I've never had to deal with them much on the phone (even though I've been with them for about 5 years), but lately with the multiple fiascos I've been involved with at my local corporate store, I've had to call them on the phone and get things straightened out. I almost switched to Verizon; I'm glad I didn't, they have treated me like a king lately.
Why did I say all that? To let you know that those people in those stores are after one thing and one thing only, and that is to sell you a phone! If they detect you leaning one way or another, they will tell you whatever you want to hear. My apologies to any HONEST AT&T associates who may read this.