Why can't I use a data app while on the phone?

Verizon does not provide simultaneous voice/data. If you are connected to wifi it will work.

How much more will a droid cost monthly?

Unlimited data is $30/month. If you already have unlimited data your plan will not change.

Why can't verizon send SMS to other carriers with > 160 characters?

Other carriers typically break your message into multiple. Verizon doesn't. Try handcent from the market - it will automatically break them up for you.
Note - vz to vz works fine.

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