Any chance of Optus getting in the LG G7 ThinQ? Some points of difference to what is already on offer is the quad DAC for audiophiles, panoramic photos and no annoying curved screen (see Samsung). Although LG had the bootloop issues with the G2 and G3 (I owned both) I don't hear about that issue with any of the recent releases. I would be very keen to sign up for one.
Can't speak to the phone being supplied but FWIW there's very little pricing difference between buying a phone outright and going on a payment plan these days. If you have the cash then perhaps crunch the numbers against a SIM only deal (Currently $36 for 30Gb looks very good IMO)