Has bugs i heard it sumwhere
Does not Windows/Linux have bugs? Does that mean you will not use it? Every OS in the world will have some or the other bug.
Buying anything other than a S60 phone at 20K is not wise.
S60 is the best ever mobile phone platform and is open to lacs of applications/softwares. There is almost nothing that you can not do on a S60 phone but can do on a computer. You can even download torrent on a S60 device.
For other operating systems on a mobile phone, you are almost limited to the inbuilt features/softwares provided by the manufacturer.
How would you feel if you had a computer at your home that can not install additional software? And compared to another computer which can install any supported software, which one would you prefer?
Comparing S60 with others is the same as above. I have used different mobiles and S60 is simply the best. Also with Nokia S60 devices you get unlimited SMS capacity (limited to the memory card space) and around 1000 SMS would use only something less than 10 MB. So virtually you can have unlimited contacts and SMS storage.