FM is not the standard on high end phones. Blackjack, Pearl, Treo 680/700/750, PPC, V3i etc do not have FM. I haven't seen a phone with FM on it in years. 2MP in AMERICA is pretty much high end right now. Unfortunately we do get shafted when it comes to getting the high end products here. Hell Cingular is barely going to start doing video calling during the summer. I've seen the phone's you've owned and the one's you posted for sale. They're sick ass phones, but they aren't available in America. Of course you can buy those phones on ebay and have them unlocked here for $20. But like you said, the average moron won't know how to do that.
Also, why would Apple include FM on the phone when they obviously want to push the whole ipod on a phone thing and encourage people to purchase itunes 