Symbian is best described as aggressively multi-tasking: the apps must actively support it to work. So ironically, my G900 fulfills all your requirements, including a decent camera with zoom and adjustable focus.
I was going to wait until Android solidifies, but I was ready for an upgrade now. :-) Consumerism at work. Besides, it looks like it's aiming to take on the Windows Mobile/iPhone space and I wasn't sure I wanted to go that far yet. I feel Symbian is just being itself for the moment. My MS avoidance is a bit more prosaic: I don't want to give Microsoft more money, if I can help it.
Two year contracts I have no problem with, but then I don't get into fights with my provider (Optus). They can't really afford to piss people off grand deluxe; the market's too hot.
Wade.