After some research on the issue, I think I'm going to wait a little bit on Bluetooth. Although measures can be taken to make it more secure, Bluetooth 2.0 is going to be better, and since it's not a need, just a "that'd be cool" thing, I'll probably opt to wait for the next generation.
I'm also finding it a bit difficult to find an inexpensive Bluetooth phone. I don't need the phone to make tea for me, but it seems like if they have that one feature, they have a zillion other options that jack up the price. Also, since it looks more and more like we'll be going with Verizon (have evaluated it, Sprint, Cingular, T-Mobile, and Alltel, so far), the one Bluetooth-enabled phone they offer is the Motorola v710, which is about $300. Considering I can get an entire new PC for under $500, I'm not impressed.
So, I'll wait for the technology to come around a bit. My husband just introduced me to PhoneScoop, which has proven to be a pretty useful site for research. I had no idea that so many other countries, particularly Europe, were so far ahead of the US in cell phone usage/tech.
I've tested many phones in the last week, and right now, I think the LG VX-6100 is the front-runner. I like the raised buttons and clear visibility of the keypad, the ease of menu navigation, the voice memo option, the fact that they bothered to put a sliding cover over the camera lens so it won't get damaged so easily, the speaker phone option, and the fact that it feels solid: so many phones out there feel so fragile! The Motorolas in particular seemed to have this hinge feel . . . the only way I can describe the sensation is to say that it felt like they were lubricated with almost-dry wax. It was odd.
I'm still not entirely convinced I need a cell phone, but the rest of my family seems so darned relieved at the idea of my getting one that I'm willing to capitulate. Haven't purchased yet, though. Still researching.