If you were to wait until december then the up front cost may have gone down slightly due to it not beinga brand new phone (no guarantees though as it is an iPhone).
There is also a delay in getting phones out due to the production/distribution from an Apple point of view so that is another reason to wait if you can.
For deals, you might get something if you went through retentions, but it would be worth shopping around to know how it compares at the time.
Remember though that if you want to upgrade early and you have gone through a 3rd party like CPW then you will need to pay the WHOLE plan off and not just the device, ie, you will miss out on the point of refresh.
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