I kept reading about this issue in posts all over the place too, and I was quite aprehensive. Let me tell you I am deaf, next stop for me, after the hearing aids I wear now will be cochlear implants.
I use a bluetooth device for my calls, my music and in the car. I cannot hear at all on a regular phone - the ones in our house. I can use the iphone (and could also use the captivate) far better with my hearing aids than any normal phone. Even without the bluetooth. That said, the bluetooth on the iphone is remarkable in that it switches automatically (when I engage it) from device to device. With the Captivate I had to tell it to find the other thing, when I stopped using one of them.
Bottom line the use as a phone issue - is a non issue for me in the DC area anyway.
Have you tried the ip4 for calls at the same time/same area as your captivate? As I said this is a non-starter - frankly the ip4 holds calls and has call clarity that rivals any phone I have ever used indoors or out, cell phone or not.
Actually, once you add BT into the mix I'm sure the iPhone is great (actually greater it seems than the Captivate) ... what's it without?
With my old WinMo phone, the speaker sound was HORRID, it sounded like the other side was speaking in tongues. So I started using a BT because of that phone. BT on this same WinMo phone was AWESOME! But speaker quality stunk.
So now with my Captivate, I can actually make calls to the pizza delivery joint without first connecting my BT, which is really nice when I'm at home.
The ONLY thing I really look forward to Froyo for is the BT activation of the phone (I think that was one of the features)...Currently I cannot make any calls at all while driving. On my WinMo, I had Voice Command, which I dearly miss...but I do have to admit, I don't *make* many calls while driving anymore, which is probably a good thing.
Back to topic...I like tinkering and typically would consider myself a "late adopter", meaning I'd rather get a device/car/phone after it's been on the market for a while since I don't like to deal with bugs in anything. But, despite its flaws, I love my Captivate, even with it's bugs, because I can surf on it 18/7, make phone calls without BT, take advantage of Turn-by-Turn navigation offered by GoogleMaps, get full HTML emails...all of which I couldn't do with my WinMo 6.1 smartphone.
I was somewhat interested in iPhones, but I'm one of the few people in the world without an iTunes account, so that was a dealbreaker for me. Didn't want to have an iTunes account just to use my phone. Plus, as I mentioned I work from home a lot, and don't have a landline, so call quality is essential for me...I couldn't take the chance with an iPhone.
To each his own! Long live democracy!!