I bought a refurb Pearl a couple of weeks ago. I got mine for $38 shipped and I don't regret it at all. It looks brand new and works great. You get the same warranty as if you buy new and you have a 30 day "buyers remorse" option if you get it and something is wrong with your phone. I don't see any reason to spend an additional ~$225.
You should be able to port your number and change your plan at a later date.