I tell you all earphone comes with the MP3 sound quality sux. Buy a high end one which cost $200+ is confirm + chop better. I bought one and now can't live without it, if I use a cheap one I whole body uncomfortable cause the sound seriously got different.
Only $200+ nia

Oh yea to TS question,
1st Option:
If you are tight on budget, then get either the N73 ME or SE walkman phone.
If not, go for Ipod. The sound is better.
Second Option:
Get a N73 ME or SE walkman phone first, temporary use it to listen to MP3 and makes call.
After that, when you have the pocket, get an MP3 player.
Why do this? First u can listen to music temporary. Second, the phone u bought can serve as backup after u bought an MP3 Player.
Either way, it depend on your choice or you budget.