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I am traveling in kenya for 3 months and the o2 data rates are £6/mb opposed to safari.com pay as you go 8KSH per MB. If you take in to account that there is approx 118 KSH per £1. Texts re £.45 or 10KSH. THe only thing I have lost by unlocking whilst I am out in kenya is visual voicemail. Apart from that I am using my iphone like I would in the UK. With out being stung with roaming charges.
 
to get some of the apps that previous posters stated and to get awsome looking themes like this one

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without a Jsailbreak your very limited as to what you can do

IMO keeping it simple yet attractive is better, example my theme:D:

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