Rogers EPP: seller told me it's better to lease the phone than to buy it. Need advice.
I am an EPP client.
I was at the rogers kiosk yesterday to buy a new iphone 11 pro (because I gave the XS I'm currently paying to my girlfriend because she got her 6s stolen) and the seller told me it's always better to take the exchange plan to have cheaper monthly payments and I can always buy the device at the end of the 24 month term. Also, he told me that if the phone is in good condition, I can return it after 24 months and not have to sign up with rogers again. Is this true?
I don't trust those sellers and I always think there is a gimmick somewhere. For example, what if I want to stop being with rogers after 10 months? Do I need to pay whats left on the device (as it would be if I bought it) or am I stuck to pay for the remaining "lease months" or just the "lease value" + the residual value of the phone at the end of the 24 months?
He also told me that they discount the monthly bill by $12.50 if I buy the phone with them instead of going to Apple and buy it straight away. So, in a sense, if it's true, it would be more expensive for me to buy it directly from Apple and use it with rogers.
Would you guys do as the seller told me and lease it or just buy it? Money isn't a problem. I could buy the phone straight away if I wanted.