I have a work provided blackberry. It has saved me countless times at the office or when I'm home and something comes up from the office.

I have a me provided Droid. Work doesn't have this number. The map/gps has saved me countless times when I'm riding and I find construction, need a shorter way home or can't find a Starbucks.

My BF has a 2 hour commute each way, we text eachother. The best was when I was in Italy and we texted. He does not have a smart phone, doesn't want one.

We do not have phones at dinner.

My adult daughters are out and about and I need to know where there are so there is usually the "alive" text I get from them. Both are in school and I need to know they are in fact alive.

We have a pretty good deal because we are on a family plan.

This like anything else is a personal decision. There is no right or wrong here, it is how much money is it worth to you?