The other issue I have run into with 3G is that sometimes it just flat doesn't work! My phone is maxed out on bars with the 3G icon on and I can't get any data outside of simple text messaging. This is likely more an issue of specific cell sites, but it has me seriously questioning committing to the idea if other options remain available. Even in areas where the data is working, inevitably if I can hook up over wifi to a public hotspot in the same area, it is significantly faster.
I don't believe AT&T requires a tethering plan if you have the regular data plan. I regularly push 100s of MB through my phone streaming audio. I don't know how they would know the difference if the phone does any kind of proxying. But I'm using a cooked ROM too, so maybe that's the difference.
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