I agree in principal with MesquiteMan, if you can hold out for your cell phones contract get a phone that doubles as a mp3 player. I have both a Zune and an iPod and hardly touch them anymore because I got a BB Curve. I figured it was one less thing I needed to carry and its smaller. I use it as a phone, mp3/ movie player, GPS, PDA, and email /internet. One feature it has that neither my Zune or iPod has is stereo bluetooth. I love listening to my music wirelessly and being able to talk on my phone without changing devices.
I hear the iPhone is easy to use, so if thats what your looking for try that out. If your not intimidated by the learning curve check out the BB, it can do alot.