out of the specific phones you mentioned I'd strongly recommend the Nokia 5800, gives awesome value for money (you can get it by looking at pricespy.co.nz for under $500) while the iPhone and Nokia N97 are very very overpriced for what they can do (in my opinion).
Also you mentioned Android, a very good choice but my recommendation would depend on your price range as there are HEAPS of them out there :)
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