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The people you're asking *here* live all over the world. You'd do better to ask *local* people who have phones, if they've had any problems with coverage, if there are multiple providers in your area.
I live in a medium-sized metro area and there are still plenty of "holes" where some carriers don't cover...and there are at least 7 companies that offer service in this area.
If you only want it for what-if purposes, or don't plan to use it very much, the best deal is most likely prepaid.
Whoever has the "best deal" this month probably won't next month. Cellular rates and service plans are disgustingly volatile.
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