If you are not in a contract now, there are many options for you to look at...
If you are to go with an Android device (which is the best option IMHO), you do not need to purchase a lot of minutes and I will tell you why.
First off... Generally, android devices are going to require an internet plan. Most of them (like through T-Mobile for example (best service and what Money and I have)) require an unlimited internet plan for the android device because they use a lot of data. Constantly sync your emails and other stuff if you want it too... But the great thing about them, you could use Skype calling, Google Voice, and other "Internet" based calling options that do not use plan minutes. Also, when in your home, you could use WiFi to connect to the internet for your phone calls.
T-mobile has a program built into their Android devices that allow use of WiFi calling. But the "T-Mobile" app uses your monthly plan minutes.
Being able to use WiFi calling allows for full signal in a place that gets no signal at all! For example, my current apartment has 0 signal for T-Mobile (but the apartment next door has perfect T-Mobile signal WTF!), but I use WiFi calling on my phone for perfect calls.
Blackberry's have WiFi calling built in. If you have a BlackBerry (most newer ones that is) and are connected to a WiFi network, you will use that network for your calls (will use plan minutes though).
Android phones are considered "Hi End Smart phones" but many lower priced (free on contract) phones are out now. T-Mobile has tons of free android phones.
And like I said before, pretty much any android phone you go with is going to have a good camera. There is always mobile Photo Shop to go along with your android phone to edit some nice pictures too.