I did it. I went to the AT&T store today and bought the Lumia 640 XL. I paid $249.99 for the phone. I saved any extra charges by using the sim card from my Galaxy. Now I need to finish setting it up and learn how to use it. I'm posting from it now. When I get home and hooked up to my Wi-Fi I'll do all the updates and stuff.
I just about have my Lumia 640 XL setup the way I want. I found a way to turn off the live tile of the photo app. I wanted to turn it off for the people app but I can't find any way to do it. I found a app to transfer my data from my Galaxy to my Lumia by using Bluetooth. I was a little surprised to find out that Hey Cortana doesn't work and from what I've read it's not going to. I'm still happy with my choice though. Right now I'm upgrading it to Windows 10. It's in the install stage. I have to gears spinning. Hope it goes OK.