A Cell-Phone Question for the Collective Brain

I am thinking of switching my cell-phone service from Virgin Mobile Pay-as-You-Go to a regular monthly plan service. The leading candidates right now are Verizon (to which some family members and friends belong), Cingular (which also carries a few of my friends, and I'd get a neato phone with iTunes), and T-Mobile (which none of my friends have, but which offers the most minutes for $39.99, and I'd probably get a pretty pink Razr -- happy girliness abounding). Has anyone had any especially positive or negative experiences with these services (or phones)? High taxes? Hidden fees? Poor coverage? Dropped calls? I'd especially love to hear from New Yorkers about your experiences.