If you get a mobile with those feature, make sure it has a MMC extension... because the storage of these cells is very short.
My Siemens S55 has polyphonic, colour screen, java applications, MMS, camera, GPRS... and the best: it\'s really cheap.
I was considereing to buy a cell with radio and MP3, like you, but quality, storage, battery and prices told me: wait a little.