I've been running Iphones since the 3 first came out, and I've had no problems with them.
My work nokia used to give me dramas with the VE bluetooth, and cause all sorts of echoes, but the iphone had no such issues.

If you want to put music on it, then import your own MP3 collection into itunes. I've got 20gb worth on my current one, and it's all ripped from my own CDs.

It doesn't affect you now, but down the track it's something to consider - I've now got an FG ford, and the iphone works through the Ford's audio system (they provide an ipod/iphone specific plug in the console) and it integrates into it, allowing you to use the Ford's display & stereo/steering wheel controls to work your music collection - no other phone can do that.

The iphone is also so easy to learn - my 13 month old neice knows how to scroll thru the pics & take photos now.....