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What is more cost effective: getting new phone through mobile carrier or buy independently?

Hi all! I am need to replace my dying iphone xs and would like to know the most cost effective way to get a new phone.

I am in a Verizon family plan that is offering $600 off a new iphone with a 36 month payment plan, but Im wondering if it is better to get a phone elsewhere. I am distrustful of extra fees and additional costs to the mobile plan from this offer, so:

* What is your experience with Back Market, Amazon or Swappa for a new phone?
* Is it better to wait for Black Friday deals on these sites or go through Verizon?
* I am looking to make my next phone last as long as possible, is it too risky to buy used phone?

I would ideally like to save a couple hundred dollars if possible, thanks in advance!
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