The bottleneck for you is really going to be the speed of the internet connection; in this case your dial-up. And as Moose Man has pointed out, surfing the web via a pda is not the same as surfing from your desktop. I'm using the bundled browser "Blazer". I don't know where the name came from, but it surely has little to do with speed as you might think. And you cannot view flash animations or some of the other multimedia stuff that you usually see on modern web pages. So if you expect the same glitz as your desktop provides, you will likely be disapointed.
Personally I don't mind that much since I'm more interested in content than the flashy crap. IE: no pop-ups telling me I'm a winner, no dancing banners, and no flashing text to trigger a migraine. For this reason alone I actually enjoy surfing via the Palm most of the time. I read the news, weather, check stocks, and do some occasional research. And more and more sites are providing alternate web page content specifically designed for handheld users, making page loads faster and page navigation easier on handhelds.
Another thing is that the bundled browser does not support SSL/TSL (secure connection protocols), I'm still looking for a browser that can do that. If I want speed and a secure connection, I go to my desktop.
Just some thoughts here..... One thing to keep in the back of your mind is how happy you are with your present dial up connection and are you considering a highspeed (broadband) upgrade using DSL / Cable, etc. as the cost of these services come down? If so, them you might want to consider the TX with Wi-Fi. Wi-Fi has better range and connection reliability then bluetooth (at least from my experience) and if you decide to go with a broadband connection, the personal routers, (Linksys, D-Link, etc.) are becoming almost too cheep to ignore. A wireless router will give you even better range of mobility around the house than bluetooth which I have found to be only about 10-15 feet (walls and closets really cut down the range). Since I don't know the layout of your home you should keep in mind the obsticles of wireless signals. I can even use the PDA with Wi-Fi in my back yard, which I cannot do with my bluetooth.
One last thing to consider with Wi-Fi is the ability to connect just about anywhere; upscale bookstores, coffee shops, hotels and resturants. I can even pull over in most neighborhoods and find an open connection within a block or two if I need one for something like Mapquest. (Just be carefull about using any open network connections; never do anything that requires userids and passwords when on these networks, they can be "Honey Pots")
Hope this helps. Cheers,
John