i just got this phone yesterday. i love it!
you can put music you already own on the phone.
vcast is just a service, and not required to listen to music on the phone. (which is awesome!!)
because the internal memory is minimal, you will need to acquire a microSD card (much smaller than regular secure digital cards). they run about $50-$60 for 1 gig at staples, but the phone can take up to 2 gigs. you will also need a card reader for your pc or laptop if you do not have one already. i saw a cheap one on tigerdirect for $15 that looks like jump drive.
you transfer the music from windows media player on your pc/laptop to the card. then put the card in your phone. voila! music on your phone.
I'm planning to convert some AAC music files to MP3 to sync to the Chocolate via card/reader - however, will only songs bought from Verizon VCAST service be able to be put on the phone?