try use USB cable to copy your phone book and see how fast you can get them transferred. I'd always wish it can be done in a second.
Also, wiring money with a phone call is an old old trick, not sure who will believe that. :)
For the American GPS story, yeah, it is a true issue. However, they don't even need to know the "name", just see how frequently you've traveled to certain places and they will know. Same to cell phone, without the name of "hubby" the most frequent called number is your beloved ones. :(
Those two issues do exist.
For the text messaging ... I disabled mine, so I'll never got the problem. Besides, why send text when calling is much easier ... um ...