I've got the iPhone 4, and LOVE it. I don't know why I haven't bought one sooner. However, the data plans is pricey. My personal vote is for the iPhone 5.
I've recently discovered I can cancel my contract with AT&T, take my phone over to their sister store (it is one of those pay month to month places similar to Cricket) and pay half my monthly dues for unlimited everything.
There may be something similar with the Galaxy phone, maybe you should do the math on all things involved before buying either phone? I guess I am not nearly as helpful as I was hoping to be.
Good luck, stretch them dollars :-)
Personal experience with my iPhone!