I forgot to mention that for voice I'm with Speakout Wireless (7-11) which operates on the Rogers network. Prices used to be quite a bit better than they are now, but it still makes the most sense for me. I can get by on $100 for about year. Air time credit lasts a year and any top-up amount will roll remaining credit for another year.

I do wish the iPhone has two sim slots, so that I could more easily shop for data elsewhere without having to give up this PAYG. I didn't have much luck with the dual sim adapter I tried last year.