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what would the differences be
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You can et 2 types of unlocked phones:
Factory unlocked: You buy the phone from the manufacturer directly or from any AUTHORIZED reseller. You will have all the features that phone model will have minus the service providers logo.
Non factory Unlocked: Someone got that from the service provider ( att,tmobile etc) and then unlocked it. If one unlocks a branded phone typically the phone will have all the features except the WAP ( web browsing capability) but if you know whats up then you can fix that all. Everything will be same as the dactory unlocked phone but a little extra work.
and so far seems like att will carry out the w760i
BTW welcome to the forum.