Would like to ask about Zerolution.
Iphone SE 64Gb package as below:

RM66 (device monthly) + RM20 (upgrade for zerolution) + RM23 (safe device plan) = RM109 per month (24 months contract)

Option A:
RM109 x 12 months = RM1308 , then I get to change to a new phone every 12 months. But if I want to terminate zerolution, I need to pay the balance RM1302.

Is this a good plan to go to?

Some say the second hand value of Iphone is very high. So outright purchase RM2449.00, used one year and sell it off, how much can I roughly get back?

Sorry, want to jump into iphone, newbie from android gang.