I have the SE w800i on T-Mobile in Northern California. Lack of an 850 band can be a pain sometimes, even in certain parts of urban areas (San Francisco, East Bay area). The camera is excellent in great natural light, but definitely disappointing in low-light conditions including many indoor locations -- restaurants, bars, etc. that are slightly "dim" are definitely "low light" when it comes to taking pics with this camera. The camera light on the phone is not a flash and doesn't act like a flash -- it helps light indoor pictures, but at the expense of inaccurate colors and saturation.
Don't get me wrong -- this is still an awesome camera as far as mobile phones go. The walkman music player is excellent and while you have to use the sony adapter, you can plug whatever phones you want into it or run it through a home/car stereo. It sounds as good as my iPod side-by-side with the same high quality earphones; the phones that come with the phone are 300% better than the stock iPod earbuds, actually.
But don't expect it to take that many indoor photos worth keeping - especially "late night at some girls house", even with the fake flash on.
The new sonys (K800/790) with 3mp cameras have an actual xenon flash which, from the reviews I've read, do a lot more to help with low/bad lighting. I'd agree with a2kt1c that you should wait for the k790a to come out to get the quad band, though it's going to cost you a pretty penny. Otherwise, look at the w810i.
I was interested in the Nokia e70 since it has 2mp, qwerty, and wi-fi, but I've read that the camera underperforms for a 2mp. Samsung p850 is out now with a 3mp but it looks pretty bulky. Nokia n80 has 3mp and wi-fi but I've heard mixed things about it, and it's very pricey. Sharp 903 is often touted as the holy grail of 3mp camphones, but it goes for $425+ on ebay.
Maybe now that Verizon has a 3mp Samsung out, T-Mob or Cingular will pick up the k790a to compete ... but I wouldn't bet on it. I used to have Cingular and got so tired of their BS customer service and absurd phone upgrade prices that I jumped ship. Picked up the w800i with T-Mob service from an independent dealer. Much better deal than T-Mob had on any less appealing phones.