Hey! My bf just got this phone like 2 weeks ago and he's with bell.
He hasn't been inside buildings at mac yet, really, but he knows from last year that MDCL is always bad for reception. Other than that, it's pretty good!
He says he's also never had any issues with customer service, it's like average. nothing over the top, but not poor, by any means.
The phone itself is awesome (I totally agree, too!) so that's definitely a good choice.
He has no complaints with the phone itself, the service or what he's paying.
He isn't too sure about the regulatory government fee (idk what it is either), he hasn't had any surprise fees he's had to pay, at least not yet xD.
for your last question, he took the 3 year contract and got the phone for free and so far he's glad he did that. he's been with bell for his entire cell phone career and hasn't had any major issues.
The only thing is if you don't pay your bill on time, they cut off your service (texting and calling went a little weird :S ) so pay your bill on time!
Hope that kinda helps!