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If you are buying this phone, why would you go on contract with T-Mobile (Even More plan)?
The EM+ plan with 500 minutes only costs $30/month. Thus you can save another $240 over 24-month period.
T-Mobile EM+ plan over 2 years: Nokia N900 ($510) + voice plan/unlimited text ($40*24 for 500 minutes) + data ($10 or $25 x24) = $510 + $960 + $240/$600 = $1710/$2070
AT&T iPhone plan over 2 years: iPhone 3Gs 32GB ($300) + voice plan ($40*24) + unlimited text ($20*24) + data ($30*24) = $300 + $960 + $480 + $720 = $2460
That is a saving of $750 (best case scenario) or $390 over a 24-month period + no contract.