Need a new cellphone /want mp3 player and navigation computer

[BUD]

Its time for me to get a new cell phone, and I want a an ipod and would love a navigation system for traveling. You guys seem to be informed on the latest tech stuff, so I am wondering if i should buy one unit that does it all or two or three. I have a hard time imagining that one cell phone can do all of this effectively. Also are there monthly charges for the navigation on the cell phone? Any of your shared experience on any combination of these phones/ devices is greatly apreciated.
thanx
bud