However, I am going the same direction as Kathy. See "I'm trading in my blackberry.." published by Kathy Weber. There are so many features and choices that one must distill the issues to more basic issues. My fundamental list turned out to be:
1. Cost control. Select a carrier that does not have a cable conflict.
2. Hot Spot
3. Display must be sufficiently large to be read by older eyes.
My needs are simple.
Question #2: Why on earth would you want Windows on your phone?
Either get an iPhone running IOS or an Android phone of your choice.