Pre-paid for a noob in toronto

Hi everyone. This forum is really helpful, I found it about a week ago.
Basically I don't want contracts, and think prepaid is better suited because I'm not sure how much I'll use my phone.

Features I'd like: *good reception*
interchangeable face plates / customizeable
tuff
camera

I've been looking at Telus Utstarcomm 860*(some stores don't have it pay and talk), and Virgin bar nokia or the new samsung a640*

But im wondering if I could get some feedback on these phones, providers
and if fido, rogers, bell offer better prepaid deals/phones or whatever

thanks for reading this specific somewhat long *** first post, your suggestions are appreciated
peace out, BSZK
 
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