ok, first make it clear as to what is the primary use of the camera. if you don't wanna spend much and aren't very keen on macro mode photos (w700i clicks good ones from a particular short distance too), i'd suggest go in for w700i.
frankly, i feel this:
if you want AF and phone wid decent storage space and good headset, you said the k750 combo wud cost around 13k. but w700i wid all the features minus AF will lighter ur wallet by around 11.7k. however consider this :
w810i = all features of w700i + AF + 512mb + speakers + edge = k750i + 512 mb + speakers + edge + bluetooth 2.0 = ~14k
w700i = k750i + bluetooth 2.0 + 256mb card + hpm 70 earbuds + walkman brand - AF - edge = 11.7k
k750i (AF) + 256mb + hpm70 earbuds - bluetooth 2.0 - walkman brand - egde = 13k
from the above equations, i can draw this conclusion:
if you want AF + decent mp3 support (media player widout flashing + fontapia earbuds) + decent storage space then go in for w810. coz by just spending 1k more than k750i + accessories, you get 256mb extra + speakers + edge + walkman brand all out of the box.
if you can live widout AF and edge, you get everything else in w700i (saving of 2.3k. buy it.
it makes sense to buy k750i if you gonna use everything as stock (ie you don't upgrade anything!). doesn't make sense to spend upto 13k and get all the features when you can get everyting and more and more by spending just 1k more for w810i!
also, i bought my w700i way back in may end from maxtel. i paid 15.6k there whereas everywhre else i was getting it for 16.5k. that time his price was the lowest. i dunno abt others. i'll give you his contact info if required. but better enquire in about 3-4 places before deciding on the place to buy!
cheers!