Verizon Wireless Prepaid?

I am looking for a good prepaid phone/company. I came acrosse the Verizon Wireless prepaid plans. There is on for like 44.99 a month that is a talk plan, and then there is a 64.99 one that is 450 talk and unlimited text. So do you think I could go with the 44.99 one and the buy a 20.00 unlimited text card, in order to save a little bit of money (Im talking about the crazy taxes verizon adds on your monthly payment, at least with contract plans. Not sure about prepaid, which brings me to my next question.).Or should I just get the 64.99 plan. Also, do you know if for prepay plans does the 44.99 or 64.99 monthly charge INCLUDE taxes, like is that the exact amount I will pay each month? Also, do you know if i could just buy the phone online (Palm Pixi Plus $79.99) and then just buy the 20.00 unlimited card for texting, and then another card for minutes, and use it like tracfone or something. Please help me, and give any suggestions you may have, Thank you. :)
 
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