Unlocked Phone activation

If I have an unlocked (Nokia direct) phone, how do I go about getting a sim card for it? What will the activation process be like? Will I be able to do it over the phone/internet or will an ATT store have to have the phone and do something to it?

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Go to your nearest store, tell them you want to activate a plan, pick the plan and they will give you a sim card.

Will they want to flash my phone with the ATT firmware?

nope...they don't even have to see your phone, just ask for the activated sim and go.

Thanks. One last question. I was wondering if there were in Cons of using an unlocked phone versus using an ATT phone. What are they?