For a while now, I've been working with a Verizon Treo 700w owner who bought his gadget without a data plan, but with an unlimited MMS picture-messaging plan. There are a bunch of other folks I noticed on the HowardForums bulletin board in the same straits. They were rightfully surprised to find themselves socked with huge data charges for sending picture messages, because they thought their unlimited MMS plan covered that.
Contrary to Verizon's previous marketing language which was shown on their Web site, though, there's a "hidden" charge when sending or receiving picture messages with a PDA/phone. Along with the 25-cent MMS charge, you're charged for the data transfer -- and without a data plan, that can be several dollars per picture message.
Verizon says they're solving the problem by changing their marketing language to make it clear that sending picture messages incurs data charges. They've also changed their Web site to require that new PDA/phones be purchased with unlimited data plans, which solves the problem there. But they've been reluctant to offer a blanket solution for people suckered in by the earlier MMS-plan language, telling them only to call customer service to get a credit on their bills. I'm still trying to work towards a resolution where the folks who signed up for an unlimited MMS plan can get just that.
Here's my word of advice for the future: Do NOT buy a Verizon EV-DO PDA/Phone, such as the Palm Treo 700 (either w or p) or Motorola Q (shown at left), without an unlimited data plan. The device will try to touch Verizon's data network at times that may surprise you, and you will get charged up the nose for it.
Do not try to put a Wi-Fi card into a PDA/phone and think it will save you, unless you hack the phone to totally disable cellular data. (And then, really, there's no point in getting a PDA/phone.)
If you can't afford Verizon's data plan rates, or you want a PDA and a great phone without using Verizon's EV-DO service, get a Motorola E815 phone and a Palm TX or Dell Axim X51v PDA. Both PDAs are terrific devices, with built-in Wi-Fi to access the Internet, and the E815 has the best reception and voice quality I've ever tested on a Verizon phone. You'll pay a lot less and be a lot happier than if you struggled monthly with Verizon over data charges.