Pax Domina & I have just bought new phones. Both are quad-band types although we each have different models. We wanted quad band since we're US based but want unhindered GSM availability when we're overseas. Just about all phones seem to have gimicks these days. Pity.
I have a Motorola MPx220. I really, really wanted the A780 Linux phone but the cost was waaay too much & availability for our required carrier pretty much non-existant. The MPx220 is a M$ Windoze smart phone with lots of features, including all that you specified. In typical M$ fashion the OS limits quite a lot of what should be user configurable with some crap, memory wasting example files included but decent, really audible ring tones left out. The good features are nice though: It has a mini-SD card slot so plenty of room for documents. It can open & read Word, Excel & Powerpoint files as well as having IE for standard web access, has Bluetooth & IR, GPRS, MP3 player etc.
Pax D. got the Motorola V551, mainly due to carrier phone eligibility vs. cost while keeping her current account. I suspect it has a better user interface since it's not hobbled by M$ however lacks the memory card slot & file reading capability. It has EDGE ability which is a high speed data ability (faster than GPRS).