Wow, you guys got back to me really quick! Awesome job!! I did what you suggested and checked my account online.... baa humbug! The required $10 fee was added to my bill, however i'm not fretting much. Guess I now can use my phone in more ways :-) I now have another question now... seeing that i have 25MB a month to play with, does use of VCast Music and Video part of the allowed data usage? I don't want to incur any additional charges by using such services. Finally a suggestion: Maybe create a topic on the main homescreen informing users of all the free or work-around apps for the phone.
I'm not sure about VCAST Music and Video ... if you're just browsing/streaming my guess is yes, if you're paying for downloading content, it would just be the actual download but not the usage once it's on your phone.
As for "apps" pretty much what you see under "Browse and Download" is what you get. If you have questions about about particulars, the fastest way is to run a search of the boards and see what's already posted.

G'Luck!