^^ to make a decision on that grounds, first u need to research out all the possible apps that u may need now. of corz ur future needs may be different. will u watch only 3gp/mp4 movies or wud u like to watch divx movies too. do u want separate recording software or are u happy wid the inbuilt ones. do u need real media support? its all abt flexibility in symbian os based phones.
but then again it depends on OS version. symbian os v7,8,9 etc. not every app will be compatible wid every os version. so u need to be clear on that front too. just thinking that buying a symbian os based phone will let u install ur fav. app is wrong! u need to see if its compatible wid the os version on ur phone! but this is one thing where java phones do not haf probs. of corz u will not try to load a today's java app in a 2 year old java based phone! so no worries in this matter in java phones.
if u'll only load games and software like dictionary etc. then there's no dearth of java software. u even haf a winamp like java media player!
but if u say u want "good camera + good music", look no further than w810i. it won't disappoint u on these criteria. but not all may like its looks! its my personal experience, i feel music quality is far far better in w810i than in any Nokia ME based phones and so is the cam quality plus the bundled earbuds are something to really talk abt. i'm not talking after comparing one set of phone but many phones. others may or may not agree wid me. if only good looks is in ur mind, get the moto phone! imho u pay a lot more for the features in n70me which u may never use! so keep the price factor also in mind.
if nokia wud've released an n72me then i can bet on it that it wud've been the fastest moving n series phone ever!!! pity we dun haf such a phone. i believe n72 is value for money. u pay for all that u'll use. but then its music capabilities are nothing great to mention!
i'd say if the choice is between 3250 xpress music and w810i, then get w810i widout doubt! but if only good cam's in ur mind get n72, coz thats value for money!
ps: i know its very boring to go thru the loooooooooooooong post but i've tried to clear every point as much as possible! hope it helps!!!