Just got a 3230, and luckily, all of the mediocre to bad things about this phone affect me very little-i have an ipod, so i don't use it for mp3s, don't mind the pre-beep, don't mind the camera delay, etc, so I'm quite happy with the phone (i paid 29 euros with contract extension).
But...i found something interesting. My old phone was the Nokia 7250, and I had purchased the Nokia DT-1 music stand for it, and almost never used it. It was more of a gimmick.
For fun, I tried to put my new 3230 in the stand, and there were two plastic tabs that prevented it from going in. I broke off these tabs and it actually fits.
Now here's the kicker-mp3 playback over the music stand is amazingly good for this phone. The headphone-mp3-playback is terrible, as is the mp3-playback over the internal speaker, but using the music stand, it's quite good. Still mono, but a million times better than the headphones or internal speaker.
Interesting...maybe the crap mp3 quality is more because the speaker and headphones are crippled?