Depends totally on phone...
The N91 will be >35k (4GB hard disc, IPOD music funtions, WiFi, BT, 2MP cam, etc etc etc) down to 5k or so for a cheap color screen cam phone second hand (under Big C is where the best bargains are found..
I dont often rave about a device but just recently bought a Sony K750i phone and WOW am I impressed.. Its a 2MP camera with flash and an autofocus lens.. It takes Sony mem sticks so you can expand it up to 4GB of storage (I am buying a 1GB card) and its a very able MP3 player and radio.. Thats all in a small phone that doesnt stand out as being a mad tech gadget.. So its an audio player (not to carry your whole record collection like an ipod but enough for a weekend), camera, and great phone..
Top it all off its about 16k now which for all this functionality is not expensive IMHO..
Taken this morning My niece in the pool..
Heres a Macro shot..
I have it with me always and as they say, the best camera is the one you always have.. I know its not up to the quality many photo guys here like but the CMOS sensor is fine for holiday snaps etc as long as there is some good light and you have a very steady hand..