Going off your current phone bill of using your 200 minutes and 500 texts why would you want to switch to 3? OK you'll get more minutes but get hammered by the texts, are they cross network minutes? How many people do you know on 3?
You've also said you'd like to stay with Nokia which isn't an option with 3, so another nail in that coffin.
What about checking out deals from the likes of vodafone, T-Mobile? or even trawling round the highstreet stores, Carphone Warehouse, Link, Phones 4U etc
[Edited on 26-5-2005 by JPM]