Well, there's the E-TEN Glofiish X500+, which has all the features you mentioned but they don't state whether it supports SDHC for cards over 4 gigs in capacity and we didn't yet have one of those fairly new cards to test it with when we reviewed it. So you might be limited to 2 gigs storage. Here's the review: http://www.mobiletechreview.com/phones/Glofiish-X500-plus.htm
There's also the unlocked HTC TyTN II (the unbranded version of the AT&T HTC Tilt reviewed on our site). It has everything including SDHC support for high capacity cards. The jack is stereo, but it's HTC's proprietary jack and not a 2.5mm. HTC does include a stereo headset with the phone though, and there's an adapter that converts it to a standard jack sold here .
-------------------- Lisa Gade Editor in Chief, MobileTechReview