I think that the people who think that voip over cellular data is an option forget something important
ip and the data connection use an additional encapsulating layer on the air interface (it matters more if you lose one packet of data than one packet of voice).
This is the main drive behind the telcos blocking sip. They would rather give you unlimited voice calls than have you run g.711 on their network (and it happens often that sip adapters don't agree on anything else).
In Germany, all cellular carriers have changed their contracts about two years ago to specify that voip is not allowed. It took them two years to have the limitation active, because that is the usual maximum contract length. And that will hold in court: if you sign as a user that you are not allowed to run voip, there is no way you can complain.