It's bad enough with all this speculation and desire to turn the iPod into a card reader, but NO CELL PHONE! People, please, it's an iPod, not a PDA! Apple will not make a PDA, so don't hold your breath.
If anything at all, my bet is that the iPod will become the hardware accessory to iLife. It's already got iTunes, the only other thing it would need is a color screen and slightly new design to give it a larger screen and make it able to slideshow digital pictures and digital movies. I know some of you think it would be too small to watch videos on, but it's at least not too small to show pictures, and these are too abilities that can be given to the iPod without having to do drastic hardware reconfiguration (cell phone...).
Not saying it's going to happen, but just that if the iPod were to evolve, that'd be my bet.
And if you need all that other junk, look to third party accessories.