i just lived without mine for a spell in the Canadian wilderness, but you said that doesn't count.
i don't think i could manage around here. heck, i can't even grocery shop without making 1 or 2 calls home to verify this or that. and when i don't call then i almost always make the wrong decisions and buy too many or the wrong brand or whatever.
i have turned off my voicemail on my work phone. all the caller gets is my Google Voice number, which rings to my iPhone and home phone. i typically let the Google Voice voicemail take it and transcribe it and send it to me via email so i can choose when to have work conversations from home. but it's nice to get that email if i am out and about so i can call on my way home (bluetooth headset in car) and save time.
other apps . . . i play Words with Friends quite a bit and i don't want to give it up, but now that i have an iPad i can still use the iPhone apps and that sort of defeats the "smart phone" aspect of my cell phone -- at least defeats the necessity of it. though, i still want email on my phone.
once i upgrade to the Samsung EPIC this week or so, i will use that for GPS in the car (see above). yeah, i need my phone mostly. ;~)