I just picked my Note 3 up from a local T-Mobile store and ended up paying about 780$ after tax. The person who sold it also happened to be a manager and didn't give me any problem when I told her I was going to purchase it without a plan and just pay full retail price. She just rang me out and said that if I wanted the warranty to be valid I had to have someone with T-Mobile just register my device on their line. I got it unlocked and now it works on AT&T's network.
Sent from my SM-N900T
HTC/AT&T 8525->iPhone 2g->Blackberry Curve->T-mobile G1->iPhone 3G->iPhone 3GS->iPhone 4->Samsung Infuse 4G->Samsung Galaxy Note->iPhone 4S->iPhone 5
Current->Samsung Galaxy Note 3 SM-N900T (Rooted/Rom'd)