Buying Factory Unlocked iphone - problems?

I live in the UK and the area I'm in doesn't have a great O2 signal but Orange is fine, I was thinking of buying a factory unlocked iphone 3GS so it'll be totally legal and not jailbroken but will be from like Australia or something, I was wondering before I buy it if someone could tell me if i'm likely to encounter any problems using it on Orange rather than O2 (ie anything that wouldn't work on the phone) also as it won't be from the UK will that make a difference, would anything be different on it? I also read that I'd have to manually setup the SMS settings etc, is this right?
thanks!

Insurance would not cover manufacturer defects. Insurance only covers breaking the phone.
The iPhone handles MMS differently than other phones do. Here in the US, we don't have MMS on the iPhone yet while other ATT phones have MMS. ATT has had to make changes to their network to accommodate MMS on the iPhone and is still in the process of doing so.

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