I got my HTC Chacha a month back.n I must say HTC is really good. plus with android 2.3 its superb.
1) Very user friendly and easy to use. Thanks to Android.
2) Email and Texting - The keypad is nicely placed and comfortable to type fast.
3) Camera - The 5mp camera is decent, although it gives dull image in night. The LED flash is not that great but manageable. Definetly shoots good in day light.
4) Android applications are good and easy to download. The issue is the internal memory, which will keeo getting low and you will wonder which app to uninstall. You cannot upgrade the apps available by default in the phone as the same is installed in the internal memory and not in memory card.
5) If you are a facebook freak then surely this phone is good, easy to browse and text your status.
6) The headphones are simple.
Overall a good phone and I recommend to purchase if budget is a constraint. A smart phone in under 15k.
regards