I ended up paying a bit more for a major carrier first, mostly because 본인인증 worked more consistently when I was still setting up banks and apps. Once everything was stable, MVNO started looking a lot more attractive, but in the first few months I cared more about fewer weird verification failures than saving a little each month. If someone already has their ARC fully linked and does not need much in-store support, then 알뜰폰 feels much more realistic.