Phone versus Tablet

So I'm debating on buying a new phone, or an Internet Tablet. The features I'm looking for in either are:

1. Full Featured Internet Web Browser

2. Wireless 802.11B/G built in.

3. RSS Reader

4. Chat Client (for AIM, ICQ, GTalk, Yahoo, MSN)

If I get a phone, I'd want the ability to have customized ringtones for each person. So I'm not sure what else I'd want to get in a device. The two items I'm looking at are both from Nokia.

For a phone, it'd be the Nokia N95. As for an Internet Tablet, I'd get the Nokia N800. The price difference is about $350. $750 for the Phone, and $400 for the Internet Tablet.

Whichever I decide, I'll end up getting it probably in late June. Which doesn't rule out the iPhone, but I really don't want to have to sign another 2 year contract with Cingular/AT&T.

Anybody have any thoughts?