opinions on camera phones?

I get to upgrade my cell phone this week. Because I swill at Verizon's teat, they give me $100 toward one of the phones they're promoting. I really really want to get a camera phone but as usual am having trouble wandering the sea of features and price points. So I turn to you, my loyal readers, for any experience you've had with any of these phones.

My number one issue is price. We're on a severely tight budget, so I don't want to spend money out of pocket if at all possible. Other issues are relative. e.g. obviously I'd prefer a phone with a really awesome camera, but as I already have a pretty snazzy camera this is just for convenience and not worth spending lots of money on. I mean, I'd love to get a Treo but I don't think I can get a special deal out of Verizon for one. :-)

Here are my options as I understand them:

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