I got my 16gb iPhone 3GS last week as well.Mine came out to 214.71 and I play 39.99 for 450 rollover minutes with 5000 night and weekend. 30.00 required data plan and 20.00 for the unlimited texting.
Current Apps installed including games:
AppGmail (Even tho the Mail setup on the iPhone does the same

)
Pandora ( Can't live without discovering new music)
Shazam (Awesome for those times you hear a song and want to know who its from)
Yelp (Find places to eat out)
Tweet,TweetDeck, and TwitSmart (for my Twitter needs)
BeejiveIM (for all my msging needs)
SnapTell (To find items online for cheaper just by taking a picture)
Amazon.com (Self explanatory)
Drinks Pro (To show of my drink knowledge for the ladies at the bars)
Wikipedia (Self Explanatory)
Old Camera,Quad Camera,ToyCamera, Camera Bag,FlashForFree, and PanoLab (for my picture taking and filter effect needs)
ESPN score center ( for the guys at work)
BofA ( for my Bank of America Online needs. Do not use it much due to my lack of knowledge of security the app provides)
Discovery Channel (self explanatory)
Drinks by Absolut (Another Drinking recipe app)
Cooliris (love using this to search for things visually on my desktop)
Currency (for the times when currency exchange rate is needed)
Cyclops (another app to take a picture of something to search online for prices but by barcode)
Discovery ( discovery music but more instrumental music based on my mood)
iTranslate (Self explanatory)
Qik (record and upload videos to share with others)
SodaSnap (Take pictures and send to others in a Postcard format.)
Urbanspoon (Another Food place finder)
Dropship (spaceship Game)
Flight Control (fun flight tower director game. nice gphx)
iGun (had to get this after seeing the iGun video on youtube)
BurPig (Feed a pig?)
enHangman (self explanatory)
iThinkQuick (quick motion mini games. Think of wario ware on wii)
Bomber2 (destruction game dropping bombs from a plane)
Chocchocpop (tetris like game)
ArcadeBowl (skee ball game)
Paper Toss (its like beer pong but without the beer)
FS5 Hockey (air table hockey)
iBowl (self explanatory)
Micropool Free (self explanatory)
Sheep...Free (winter bells type of game)
SpaceFight (asteroids type of game)
Vermine..Lite (Game?)
Boxed In (puzzle adventure game)
Do not Press (Do not Press game)
FallingBalls (survival game)
iBomber Lite (drop bombers as a bomber looking into a periscope like in WWII)
JellyCar (physics type game like line rider but without designing the level)
Knights Onrush (great castle defense game)
A Quest of Knights Onrush (the demo of Knights Onrush but comes with an addicting promo game that is like caste crashers called. you guess it A Quest of Knights Onrush)
TBS Mini Golf (self explanatory)
TheWars (fun side scrolling castle defense game)
WaterSlide (self explanatory)
My mac friend recommended me this
http://toucharcade.com/ to keep updated on prices and new games.
The Knights Onrush,iBomber,and FlightControl are the best looking games I have. Especially Knights Onrush. It looks so great on the iphone.