Even if you're willing to settle for slower downloads in exchange for jumping onto T-Mobile's network with a legitimate, unlocked, non-jailbroken iPhone, there's a bit of work involved. So I visited a local Apple Store and purchased an unlocked iPhone 4 (in white, natch) and set out on my journey. Here's what I did to get connected.
First, you'll need a T-Mobile SIM card. If you already have a T-Mobile phone, you already have just such a SIM card; pop it out of your phone, and you're good to go. You can also go to or a local T-Mobile store and pick up a prepaid or pay-as-you-go SIM card. I bought one for $10 at my local store.
There is a catch, though: The iPhone 4 doesn't include a SIM slot. Rather, Apple uses a slimmer SIM, the micro-SIM. As it turns out, a micro-SIM is actually just a SIM that's undergone some serious trimming.
Presumably at some point T-Mobile will realize there's now an opportunity to reach users of unlocked iPhones and offer micro-SIMs as well as standard SIM cards. (When we called T-Mobile's PR department, they declined to comment about the unlocked iPhone.) In the interim, then, you'll need to make your own micro-SIM.