I've always had the lastest phones from Nokia( so well used to constant shutting down and software failures) BUT the Fuckin N95 put an end to that, the worlds most unreliable mobile phone in history i believe!!
I took the plung with i iphone 3g as i wanted a Bose docking station and ipod anyway!
For internet, Video, music, video podcasts/podcasts, instant messaging, etc its unbeatable
The internet is great, u can access almost all sites, full paypal, online banking and even you porn/you tube etc, i've done over 250mb since i've had the phone
Full google earth with direction/search nearby
More 3rd party apps than u can shake a stick at, ie Facebook, photobucket both with instant upload, perfomance meters similar to GTECH etc
The forwarding txt option was a pain, but if u rewrite 1 funny txt then add recipients you can send to as many as you want then it saves it in your inbox, so u don't have to re add names u just have to rewrite the txt's then forward to all your mates in 1 go!
As for the ring tones, download
http://www.iringer.net/
Hit simple installer at the bottom af the page
U can then take any song from your computer, select your favorite 30 seconds from that song and save directly to your itunes ring tone directory!
A Must for it tho is a Silicon skin and screen protector, got the pair from UK on Ebay for about 7 quid!
Make sure u get the 16gig tho, you'll fill it surprisingly quicky! lol