iPhone or Android?

[Snowflake]

I'm needing, wanting to upgrade to a smartphone. Something else smarter than me.

Our firm has a small discount on monthy charges and some deals on phones.

Android or iPhone? Any real differences (besides shiny vs. SHINY)?

Stupid question #1 Data Plan, I have options of 300Mb ($20) of 3Gb ($30) and I am assuming that much difference is well worth the $10 difference.

Do I go with an older 3G phone or a 4G? Obviously a 3G phone is much less expensive up front. Since I know nothing about 3G and 4G, will a 3G phone be instantly outmoded?

I know it sounds silly, but I am trying to justify the approximately $100 a month. My brain keeps kicking back in, you're not yet out of cc debt and do you really need this or simply want it because it's a cool toy?

So, I come to the wisdom of LoT for advice.