So I recently lost my N900, and the insurance company say they can't get me another one to replace it with. I'm gutted tbh, loved the phone. Especially the ample storage and large amount of video and audio codecs. The phones I've been offered are:

• HTC Desire
• HTC HD2
• Blackberry 9700 bold 2
• and the Sony Erikson x10 experia

I've looked at those phones and they all seem to fall well short in some way on the N900, however the terms of my insurance state

Should Your original Telephone no longer be available, the Insurer will replace it with the nearest functionally equivalent model.

They are open to suggestions, and I reckon they'll give me a more expensive phone, to a degree, if I moan enough.

So what does everyone think the nearest functionally equivalent phone would be? What would you get if you had to replace your N900? I really don't know enough about phones myself to even know which brands / makes etc. to start looking at