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Other Carriers and Coverage

Does anyone use this phone (MyTouch4G) with either Straight Talk or AirFire (out of the midwest)? I don't like paying TMobile rates ($50 for limited data usage) and Airfire charges $40 for an unlimited everything plan. StraightTalk is $45.
Will I get the same coverage as what I'm used to or will there be more outages, dropped calls, etc.
Also, since I already have a t-Mobile phone(s) what would I have to do to switch to one of these carriers? Do I have to have my phones unlocked or just get another SIM card?
Thanks
 

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