I dont know about apple stores.... But Best Buy is currently selling them outright and they also offer a monthly warranty with no deductible but it doesnt cover lost/stolen. Same prices as ATT and My local best buy just got in quite a few.
Thanks man, I just found out about best buy stocking them before the weekend. Seems that the Apple stores and Best Buy have them in stock to buy for $599 and $699 each now. I might check out that warranty though because I know ATT offer no kind of insurance whatsoever, it's ridiculous!