Do you even have 4G coverage?
I just found out that I'm eligible for upgrade now but my contract ends in July. I don't know if I'll just wait or what. I'd hate to switch to Verizon and lose my unlimited data I have with AT&T. But AT&T's phones all suck except for the iPhone, and the 4S is a pretty worthless upgrade if (like me) you already have the 4.