OK, so answer the confusion:
1) If you are using the Add-on option for $20 (Per unit), you get NO, I repeat, NO SMS messages.
2) Instant Messaging: You need to verify this through which program you use, some use data, and some use SMS. Ramble Uses Data. Yahoo and GTalk use Data. (The Apps you download from blackberry.com)
3) PIN uses the Data Service. (I have a friend who relies on this to communicate with his other BB friends since he can't SMS, he likes it.)
4) If You sign up with a new Individual plan, unlimited SMS is $14.99, but if you sign up in a FAMILY plan, you can get the special "Messaging for families" for a TOTAL of 19.99, which covers SMS, MMS (and e-mail for any non-BB device).
What do I pay?
I have the FamilyTime Basic (700 anytime, unlimited nights, weekends, unlimited long distance and no roaming charges). (national plan)
Unlimited BB data for 2 devices ($20 each)
Messaging for Families ($20)
My Bill comes out to be about $130 monthly after taxes.
(I would cut out even more minutes i'm not using, but then I lose unlimited nights and weekends, which is when I do 95% of my talking)
Just an FYI: only 700 anytime min? Yes, because the other BB user on the account is hearing impaired, so the minutes are only for me.