why not consider a sony ericsson phone? the k800i is said to be the best cam phone in its class (3.2mp) with an mp3 player na kapareho ng w800i. upgrade the earphone and the memory and you're good to go. it also has a xenon flash for lowlight photos.
downside is the the weak video recording and expensive memory.
or wait till the P990 arrives in a couple of days (or months). great business phone imho (wifi, touchscreen, 3g, vga recording).