Thanks for your expertise I.P. Daley!
We do have multiple handsets (wife and I) with minimal usage. I looked into your suggestions and given our usage over the last 6 months Ting, H20 and P'tel would average out about the same. The 90-day recharge cycle of H2O and P'tel and the fact that usage wouldn't be shared make things a little harder to figure out, so I just based this on the per minute, text, and MB rates they quote, but as long as we don't consistently let the 90day usage lapse it should work out. We currently pay per text with verizon (and hardly use it), so Ting would leave quite a bit of extra texting capacity if we texted more (which my wife is interested in so she can stop telling people not to text her). I like the "buckets" approach of Ting a little more so I won't feel quite as constrained as if we went to a complete usage based model. I think if we end up needing to be on AT&T then H2O could be a good option though, so thank you!
Airvoice's website makes my web developer eyes bleed, so they'd have to result in some significant savings to get me to use them. Puretalk seems a little more confusing to figure out what we'd end up paying. Again, if we end up needing the AT&T network I'll put some more time into trying to figure them out though.
Now, back to the phones, just to make sure I understand: Any verizon iPhone 5/5s/5c should work on any tmobile or at&t mvno whether it's unlocked or not? And any iPhone 5/5s/5c (except maybe sprint) that is sold as unlocked should also work regardless of original carrier?
Thanks for your help!