It's worth it.. Here's how I use my phone:
3 push (instant) email accounts
Text Messaging (unlimited)
Phone calls (Unlimited)
MP3 player (in the truck - I have unlimted data, so Pandora often or Rhapsody)
HD Video recorder - I have a GSD, so he's a kid to me
Photos - Never know.. I see a lot of neat stuff out and about
Facebook - I keep in touch
US Bank - Good way to check up on checking account/transactions
Google Earth - I was able to upload our job information for our sites. Pulls up details for each site and their exact location. GREAT for my job!
The Weather Channel - SO I can dress correctly
Calendar - This is auto sync with iPad and computer so I'm always aware of whats due, going on, plans.
UPS, USPS, FEDEX apps make it easier tracking multiple shipments (for work)
Media Remote - I often use my iPhone to control my Sony Media player, usually in the kitchen and bluetooth is wireless..
Surfing the web when I need to look up information. Great for them days with down time.