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There is one circumstance I have come across: AT&T and the iPhoneT-Mobile does not charge you based upon speed. They only bill for data. If you have a data plan and and live/play in 3g coverage... you get 3g speeds at no extra cost. I don't believe there is any carrier that charges more based upon speed (at least in the USA).
There is one circumstance I have come across: AT&T and the iPhone
The original iPhone (2G only) has a $20/month data plan. You get unlimited Edge and 200 texts with that.
The 3G iPhone data plans are $30/month and include no texts.
Surely, you cannot buy the 2G iPhone data plan (for $10 less/month) and then just throw that SIM into a 3G iPhone and expect to get 3G.
Well, you can, but I have read some reports of people getting a text and/or email from AT&T informing them that their current data plan is incompatible with their phone.