If you have all those basic operation in your mind then sticking with SE is what my advice is, but if you are ready to take on the adventurous path then go for windows mobile. I am using Touch Pro myself & I am quite impressed with its performance all over be it camera,music or whatever. I got 3.5mm jack so no problem with that.

But if you are ready to explore applications for a limited basis & dont want to take pains too much in your normal use then I suggest you to go for Nokia. WM is outright office yet technical related phone which is employed to bring pc experience on your mobile.
Hope I have cleared ur doubts a bit. Dont dare to use WM if you dont want all those things I have mentioned above, you will either waste your money or else u will end up having an obsession with its user interface.

Good Luck