if you're coming from note 4 i would suggest take the plus. cause the 6s battery only 1700++ mah. not sure on the exact capacity until it has been tear down after launch date.

i also kena con htc desire, then iphone 5 and now 6+, iphone 5 pass down to my gf still using... her iphone 4 pass down to her father also still using.... i dont believe android can pass down more than 1 generation without lag..

for paying monthly now you have
maxis zerolution / u mobile microcredit or even apple iphone upgrade program...

if you want buy without a plan,buy from apple online store is better compare to machines mac studios switch and etc...

Apple online offer 14 days 1 to 1 exchange if you receive dent or faulty unit

If you buy from the local dealer store,when you step out from the shop,if your device got any problem,99.9% they will ask you claim warranty.*(what is claim warranty?For apple,you device will exchange with a refurbished device instead of new device.If you used 3 month or 9 month then ok,are you want get a refurbished device from day 1?)

Some of the local dealer shop will collect the money first then only open the box for you,if the shop staff is good then maybe they will exchange another unit for you if you found any problem from the device.Some of the local store will ask you claim warranty.

Why?because stock are limit,so they normally won't exchange for you and the customers protection act in Malaysia is weak.

So why I recommend people buy from Apple Online Store?
1st you no need go to Q at the front of store early morning,just click and then payment.
2nd Apple online store give you 10 days from the invoice date, so you can check you device,any problem call the apple hotline,they will collect the device and sent a NEW device for you.*(NOTE:it will sent a new device for you not claim warranty.)

hopefully.
i miss iphone6 during the pre-order and that piss me off to get get note4 which ended up as a regret purchase sold it and use back ip4.