It will be sooner than you think.....

Nokia just released a phone a couple of months ago with a built in 4 GB hard drive, and Samsung is releasing one with a 8 GB hard drive in another month or so.

As far as cameras, there are now a number of 3.2 megapixel camera phones available. If you don't think they take good quality pictures, take a look here: http://www.howardforums.com/showthread.php?t=786808