"But reality is reality and I've reached a point where I've decided I need one just for on the road, out of the house emergencies."
That's the exact reason I have mine.
In this day and age there seem to be few really true deals in cell phones anymore. Sure, you can get the spiffy new phone that takes pictures, fries eggs and washes your car, but, if you're me... so what.
Focus on reliability and coverage, and don't get so nervous about signing a contract.
I've had my cell phone contract with Verizon since 1996 or 1997. $9.95 a month access fee. Minutes are expensive, though, but not a big deal since I'm like you, in an average month I use 0 minutes.
The skip to digital is going to kill me. It will knock me off that program and I'll have to figure something else out.
The real deals, what few there are these days, really seem to focus around multi phone family plans. If you're single, don't use the phone, don't want/use camera, internet, text, etc., features, you either get creamed with a high price speciality contract or you simply can't find anything.
I've been looking at replacing my service in the coming months and it's not been easy finding anything that's even remotely useful for me.