I'm with T-Mobile using a Nokia 6600
1000 Anytime minutes with nationwide long distance and free roaming - $39.95 per month - I added free mobile to mobile for $3.95 per month. After looking at my bills, I do about 1000 minutes per month to other T-Mobile customers, so the additional $4 is worth it. I bought the phone when Amazon had them on sale for $309 ($50 off) plus it had a $100 rebate from T-Mobile and a $200 rebate from Amazon - I basically got it for $9 (free shipping) but had to give up my old (company assigned) number - so I'm now expensing the bill but have more control over the service.
I recently moved from a Nokia 3650 to the 6600 - it's really a phone plus PDA and digital camera. It also has built in bluetooth so I use a Jabra wireless headset, and a bluetooth USB module to communicate with the PC client (great for managing files and installing games and the like). These phones us the Symbian operating system based on the old amigados kernal - super programmable and there are tons of programs for it (this OS is also used on the N-Gauge). I put a 512 GB MMC in the phone (it ships with a 32 MB) and I've installed some great apps, plus a handful of games. I was running Doom on the phone if you can believe it, with the first 9 levels of maps - it was cool because the maps came right back to me and the sound was awesome. It's also nice to be able to access the web via an Opera browser.
Anyway, you may want to consider coverage, the phones available (including the geek factor), and pricing before making a decision.
-- Best, John