$49 is a good price. I'd give thought to the Verizon model though. Some of my friends having AT&T do not have complimentary things to say about the reliability of the network.
As far as apps, the one I've been using the most lately is a GPS app called "GPS Kit". I like it a lot for tracking my hikes and rides. I actually bought and tested four or five similar apps, and GPS Kit is the one that I ended up with as my go to app.
I've got a bicycle-specific tracking app too, but I never use it.
There are various apps with repair instructions, but I already know how to make repairs, so I did not buy any of those. They do exist though.
For me, the GPS application has turned out to be the "killer app" for the phone. Anywhere there is a signal, I can hit the button and pull down terrain maps for the location. And I can cache apps for my local area, so that I don't need to be in range of a cell tower to use the GPS feature. The phone is not a bet-your-life GPS device (no device is, really), but it sure is convenient and fun to have as I explore.