The problem with mobile phones is that there are almost as many opinions as there are phones. As I'm sure you've seen, IOS and Android are the two platforms with the most traction at the moment with Microsoft's Windows Phone, RIM's Blackberry and Nokia's Symbian lagging behind.
I personally prefer the Android platform as it is open, easy to develop for and there are a decent number of apps available for it. In my opinion it's not as slick as the products available on Apple's platform as a whole, but it's not been a major hardship.
As far as a phone is concerned, if you can stretch to something like the latest iPhone 4 or Samsung Galaxy S2 or later you should be reasonably future-proofed. Neither will be as good quality as a dedicated camera and it'll all change within six months, of course, but it'll at least be a starting point.