Well.... I lamed out and decided to get an iPhone 4 after all. The iPad is tempting but too expensive and JCR's comments about not using his iPad as much after getting his iPhone4 seemed to resonate with my gut feeling of what I would end up doing with it. If the iPad had a front-facing video camera for Skype and SD-card support, I'd reconsider but methinks that Steve J. is keeping the video-camera for the iPad 2.0 -- and likely will never get an SD-card or USB jack since Steve likes to keep it proprietary.
I thought seriously about getting an Android-based phone, but in the end lamed out on those too. They don't seem to have any must-have advantages over the iPhone. One thing that would have swayed me is free tethering, but it seems that all of the 'droids that have tethering also have it as an extra option, just like the iPhone. And though you can root them and add a hack to tether, I could also jailbreak and do it on my iPhone if I was that inclined.
So I lamed out and got an iPhone. I drove up to my "nearest" Apple store, which is in West Hartford. They were clean out of stock (and judging from the inside of the Apple Store, I think Apple is entirely quitting the computer business and selling only iPhones and iPads).
I walked across the mall and went to a Radio Shack. I knew that as the unsexiest store in the Mall, it had the best chance of actually having stock of the iPhone and I was right.
So I'm now the proud (?) owner of an iPhone 4 -- 32 gig.
Thanks everyone for the comments!