As a phone, the HTC will serve you better than th N900.

As an Internet browser, the N900 will serve you better than the HTC.

OTOH, for apps, the iPhone 3GS will serve you better and for Google integration, the Droid or Nexus will serve you better.

It all depends on your needs.

From what you wrote, in the US, today, I would say you would be most pleased by the Droid. With the HTC, I would really be worried about the MS announcement that WinMo 7 is going to be delayed for a year.