For 500 dollars, depending on where you live, I think only the OP5 falls in that range. I'm in euros, so I don't really know the prices elsewhere. IPhone x, and pixel will set you back around 1000. I'm assuming you will buy the phone outright?
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There are several options with the providers, all those options and phones from their stores are more expensive than for example ordering those same phones from amazon. I'd rather buy one outright.
Yes, good idea. It is much cheaper in the long run. Just make sure the bands that your carrier has are supported by your phone (keep in mind some phones have different variants).
At the moment, pretty much every flagship phone is pretty decent. You only have to be more careful at the mid and low end. Samsung is supposed to be good, but with heavy skinning. It just isn't for me.