Mario, Where to Begin...
This phone would be great for all that you listed
Call quality is Pretty good, on par with, maybe slightly better than Hero
I thought I prefered a touch screen keyboard till I got my fingers on The Moment's physical board, it simply extrudes quality and keystrokes are much more confident, fewer errors.
While the Hero has a 5mp camera, It BLOWS, out of focus, lacks colors, quality is terrible, I hated it. The camera on The Moment while smaller in MPs is much better in every aspect. Who cares if it is 5mp if the photo looks like junk.
Comes with an MP3 Player, and its Android! you can download a different one if you dont like that one. I personally prefer Pandora internet radio, which works flawlessly on Moment unlike Hero, on Hero it froze all the time, every 2nd or 3rd song.. GRRR..
Go for it, I have personally owned the Hero for a month... Was cool at first, it looks great, the UI is all flashy... but then the newness wears ( like within the first day

) and you see that the phone is glitchy, freezes, slow pretty much all around, won't run many apps correctly, and then you have to deal with it the next day... and the next... and the next... then texts stop coming in on time, and only arrive when you wake the phone up...*gouge out your own eyes*
Repeat above for Sense UI.
7 Homepages.... like everything in life everyone always wants more of everything.
Bam!! you realized something many folks don't... The Moment is MORE customizable than Hero (yes HTC and marketing lied to you) Sense UI limits you to only HTC and Sense UI.
I have always had Samsung phones... Never had a problem with updates and fixes... got them sometimes twice a month on the Instinct. So in my case that is just rumors... probably HTC/ (insert brand name) fanboys spreading BS.
As far as Android 2.0 I see no reason why it wouldn't come to The Moment, it has been announced for Hero, and Moment specs are higher in nearly every category.
I say why wait? I wish this phone had come out earlier so that I hadn't wasted my time with the Zero.