Do you have accounts with both T-Mobile and AT&T? Are you looking for a smartphone that has every mobile feature imaginable? Lastly, do you have way more money than you know what to do with? If so the Pharos Traveler 137 has everything you're looking for and it's out now for $350 with a 2-year T-Mobile Contract. You can also pick up an unlocked one for a hefty $600.
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The Pharos comes with a big 3.5” touch screen, 512 MB of flash memory, 256 MB of RAM, a 3 megapixel camera, and AGPS. It boasts speeds of up to 7.2 Mbps HSPA on T-Mobile USA, which is why it's being billed by some as a “3.5 G” phone. The Pharos 137 runs on Windows Mobile 6.1, but it can be upgraded to Windows 6.5.
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From all I can see, the Pharos sounds like a top-notch smartphone (although I've heard its touch screen is a little uncomfortable to use), albeit an expensive one. I'm not sure exactly what market this smartphone is hoping to capture, but the 137 definitely has every feature I can imagine wanting in a mobile.