The iPhone doesnt come with a bluetooth headset. Thats an optional extra. It comes with earbuds that double up as a hands free kit.
But honestly, I dont like this article. Its basically FUD. If we take any other phone, lets say a $200 smartphone with the same data plan and monthly call plan as the iPhone you state etc, you come to $2,700.
Its not like the iPhone is the only phone that you have to get over a 2 year contract.
Why I Wish I Could Use Safari (and Other Task-Focused Mac Apps)
How much is the iPhone Really Going to cost you? Try $3,000.