For those of us wondering if OTB FW 3.1 can be unlocked, the answer is still NO
George Hotz (geohot) on Twitter
..."3.1.2...still vulnerable and blackra1n worked perfectly on my 3gs ... jailbreak wise"
..."but ... NO UNLOCK if you upgrade" (to FW 3.1+)
I was on Tmobile with my iPhone, but, I'm one of the people that updated to FW3.1, by mistake
Now that Im on ATT with my 3GS, I dont have to fear any software updates, and my phone works in places Tmobile had no reception, and ATT 3G internet is 300% faster than Tmobile Edge.. and I pay $40 more per month :-(