The best thing about T-Mobile is going to a big tech conference where AT&T's network is floundering and getting a great signal to rub in the iPhone users' faces.
On a more serious note, I've only used it in SF and Seattle, but it's great there. I only pay $40/mo for unlimited data. (No minutes since I use VoIP.)
I don't know about other carriers, but T-mobile actually makes it pretty obvious. T-mobile seems a lot less consumer-hostile regarding these kinds of things than either AT&T or Verizon in my experience.
Unlimited data (with messaging) on my Droid for $55/mo. Reps might have to dig into their system for it, but it's there. Pretty good deal, esp on Verizon.