I guess it depends on what you will be using your phone for and whether you have wifi available.

You mention you will need "limited cell phone service" bu then hint you will have a decent data requirement.

We use wifi for all our data absorbing stuff (phone, tablet, laptop) and we can make and receive calls to/from the USA in airplane mode with wifi enabled...no extra charge. We have Verizon but I believe AT & T enabled wifi calling before Verizon

You do need a reasonable recent phone (S6/7/8) or a similarly recent I-phone.

NOT appropriate for calling to a number in SXM...Just your normal USA stuff.

Easiest option...no effort or cost involved. It all depends on whether it fits your needs