Use a T-mobile SIM to configure settings, then swap back
I read about this at another forum and it worked for me. I went to a T-mobile store and asked to borrow an active SIM. When I stuck that in, I had access to the ASN and MMS settings, and I typed in what Airvoice said I should (deleting the T-mobile settings that had been automatically applied). The access disappeared when I put my Airvoice SIM back in, but still for the first time I was able to browse the Web and send MMS without wifi.
PS I trimmed down and tried an inactive unsmart tracphone SIM and the phone acted like it had no SIM in it at all.
Update: Actually I've simplified the story, which involved me miss-entering the MMS settings at the T-mobile store and correcting them at an Apple Store. There I found out you don't even need an activated SIM card. I succeeded with one of the new and ready-to-be-activated SIM cards the store had on hand for people buying a new phone plan along with their iPhone. So you could just order a new card on eBay or buy one at Walgreens for $5-10, if you didn't feel like traipsing around to borrow one.