If you turn 3G off and are on Wi-Fi, because you are surfing and don't want to exceed data, do you still receive (and make) calls?
Sorry, no one has answered this yet. yes you CAN receive/make calls. technically you need zero data for phone calls (I have a feeling your current phone doesn't use data... and I bet you are making calls just fine!

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BUT, you mentioned you don't want to exceed data... I will just warn you that even with 3G turned OFF you still have the edge (2.5G) network activated. Currently there is NO way to turn this off without jailbreaking.
Of course the connection is much slower resulting in less data usage over the same amount of time. but it shouldn't use any data unless you browse the web, check your email, or use an app that connects to the internet. BUT I will warn you that I believe push notifications would still use (a very small amount) of data so if you truly needed to stop all data, I would recommend turning that off.
Thank You!
(personally, I am not into the jailbreaking stuff, because wouldn't Apple get mad if they found out you have jailbroken?/how many people jailbreak their iPhones/ iPod Touches (is there a statistic or something, or like is it common) ?)
I have no idea of the percentages, but the percentage of them HERE at macrumors is MUCH MUCH higher than iphone users across the board. Just know that. I tried it once and decided I didn't need it. It's a hassle because you have to re-jailbreak it for each software update. and yes technically apple doesn't allow it, but as long as your restore no one will ever know that you had jailbroken it. Unless you are a major techie or have some specific need that isn't addressed without jailbreaking, I'd recommend staying away. But if you do, take your time and research it. I do believe it has gotten a LOT easier than it used to be.
My concern with it is what happens if Wi-Fi disconnects for a second? We will obviously be switched to 3G, so I am guessing that we will be disconnected. It would be good if it just switched to a regular phone call then, as that can get annoying.
interesting thought..... My guess would be that it switches back to a regular phone call... but as stated above I wonder how facetalk works with your minutes...
On another note, are iphone 4 users going to be able to talk to other phone users at some point in the future? Plus what is stopping a iphone 4 to iphone 3gs facetalk where the video is only transmitted one way?