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I see that when buying OEM cell phone chargers some claim to have a "smart IC chip" that will prevent "overcharging". Others, do not claim to have such a chip (which I assume means they don't). I understand the concept behind this, but I'm curious if this IC chip is really a necessity...

I'm looking into getting a new phone on Verizon. I'd like to get a smart phone that surfs the web and handles email/calendar and all that. I know many phones can do this. The key thing for me is that I NEED whatever phone I buy to be able to open and edit Microsoft Office files (like Word...