Earlier this week, Apple announced the new iPhone 6S and 6S Plus, and tonight’s the night to put your money down. So what the hell should you do? Should you get the Plus? Is one carrier better than the other? We’ve got your buyer’s guide right here.

First off, some logistics

If you want one of the very first new iPhones, you’ve gotta stay up late. Pre-orders start tonight at 12:01AM Pacific, which is 3AM Eastern. And judging by prior years, you’ll want to use the Apple Store app for iPhone or iPad rather than the website, if you can. It’s way more reliable. You also might want to log into that app right now and pre-fill your elegibility information.

Update: Pre-orders are now live!

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So, which one should I get?

Most people should buy the 64GB iPhone 6S on Verizon in ROSE GOLD. (Or space gray, but that pink rose gold has the most resale value, right?)

Why Verizon?

Verizon still has the best coverage in America. Sure, it means signing a two-year contract, and maybe spending a little more on the plan. (Plans are confusing!)

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Unless you really want to save money, in which case you should probably go with T-Mobile’s excellent new deal.

Why might you consider the 6S Plus?

So, it really depends on if you want to take the iPad Pro philosophy toward your phone. Just like the former straddles the tablet/laptop line, the 6S Plus straddles the phone/tablet boundary, with its sizable screen and souped up touchscreen features. Oh, and an optically stabilized camera.

The Plus is way bigger, and we’re not just talking about its 5.5-inch screen. The chassis is wide enough that it feels more like a 6-inch phone. (Here’s a big spec comparison.)

The weight difference between the two isn’t negligible for something you’ll be carrying around at all times. The Plus weighs 6.77 ounces, versus 5.04 ounces for the regular 6S. A bit harder to handle for the average user. If you don’t KNOW you want a Plus, you don’t want a Plus.

Why wouldn’t I cheap out and get an iPhone 6 or (gasp!) 5S?

You can! But only if you really have to save the money.

The new models have some nifty features, which gadget lovers will appreciate.

  • 3D Touch—a touchscreen feature that lets you interact with content in different ways, based on how hard you press down.
  • An upgraded A9 processor that’ll make your phone zippier.
  • A new 12-megapixel camera, which will probably take better photos.

Why 64GB?

As we said last year, it’s a solid middle ground that’s worth the splurge so you never have to worry about having enough space to take a photo. The other options are 16GB and 128GB. You should never buy a 16GB phone again. If you get 16GB, it fills up faster than you realize. 128GB is probably overkill, though.

Should you go with Apple’s upgrade program?

Many carriers are offering the option to pay for your phone in installments these days. The two-year subsidized price is becoming a thing of the past. To try to cut out the carriers, Apple’s offering its own installment plan. It’s just like the payment plan you’ll find at AT&T or wherever, but it automatically comes with AppleCare+, which will help replace your phone if you accidentally break it.

You can also get a new iPhone every year and can choose any carrier. It’s a great deal if you’re too lazy to resell your phone.

If you buy a 64GB iPhone 6S like we recommend, here are the prices you’ll pay tonight at midnight in Apple’s online store: $749 outright or $37.45 with the upgrade plan.

If you don’t want to go with the upgrade plan, you can get a slightly better deal via contracts or installment financing directly from carriers.

Wait, what about other carriers?

Unless you’re grandfathered into unlimited data, or you’ve got some particular reason for wanting to go with AT&T or Sprint like being chained to a contract, don’t bother.

T-Mobile has some very inexpensive options and offers some nice perks—and offers a great deal on the phone right now—but the coverage isn’t as good as Verizon. If you need to save money, sure.

Contact the author at bryan@gizmodo.com, or follow him on Twitter.