Jailbreaking and unlocking are two different things. If you're sticking with ATT (as am I), then it makes no sense to unlock your phone (allow you to use it on a different company's network). Jailbreaking, which is what I've done and love, is completely different.
If you jailbreak, you can make it so you can download games that aren't available in the app store, customize your iphone background and ringtones more effectively, and load games and applications you can download from a variety of internet sites (not going to post those here, because I'm fairly certain that would break forum rules, but it entails downloading ipa files). In any case, Jailbreaking truly unlocks your iphone's potential, and I highly recommend it.
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