well im kinda new to this whole iphones thing :p
its my first one, so im wondering how people have setup their iphone and what apps they consider essential.

i have contacts, email, calendar all synced OTA via exchange - been loving the push features :)

app wise? things (to do list), instapaper (offline reading), pennies (finance), goodreader + ibooks for pdf/documents/ebooks.
i also have archetype, its an amazing game... wow... if any of you play add me - ChrnoXIII