Yes you're right there isn't a true retail price on a 3G iPhone. I've done this several times for friends so I know it works. Keep in mind if you do lose your 3G iPhone within your 30 days you get to purchase one at a non discounted price only ONCE. So the price at&t store will give you is 8GB/16GB will cost you $399.00/$499.00. So once you purchase the full retail price wait a few days and return it and keep the original one you bought at the discounted price.
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Yes you're right there isn't a true retail price on a 3G iPhone. I've done this several times for friends so I know it works. Keep in mind if you do lose your 3G iPhone within your 30 days you get to purchase one at a non discounted price only ONCE. So the price at&t store will give you is 8GB/16GB will cost you $399.00/$499.00. So once you purchase the full retail price wait a few days and return it and keep the original one you bought at the discounted price.
@dhaasgob