I'm not a big camera-phone fan myself. The picture quality is just crap, especially if you don't have lots of ambient light. I rarely use mine for this reason--it seems like more of a gimmick. If the image quality was a little better, and I'm not talking about resolution, then it would be different. (I'm speaking mostly for my phone, others might have better IQ.) It also irks me how to get the images on a computer, you have to pay the phone company to email it to yourself. Think of the possibilities if phones could directly interface with computers... you wouldn't need to pay the phone company an arm and a leg to get the latest kanye west ringtone and PiMP pix!
While extras on phones can't hurt, (games, a camera, an extensive planner, goofy ringtones etc) I'd take a reliable, solidly-built phone with solid reception and good sound quality over any extras. As long as phone manufacturers are tied to service companies, this won't happen.