yes, unlocked phone is pricey, and not normal-user friendly. Its almost an attitude rather than a necessary for most users.
But, still, few user would think about buy a phone that require them to switch network. In this case, extra $200 and freedom of picking and choosing ur networks might not be that bad, consider u have to pay $500(phone)+service termination fee (up to $200)+cingular activation fee $36.