I have my @gmail account for iTunes purchases, and my @me account for contacts/calendar, how do I approach iCloud and how will this affect me?

I know accounts cannot be merged. The @gmail account has existed for years before the @me account.
I haven't been able to set up my phone yet because I have absolutely no idea how this will affect me, when it was quite clear before.
How will this affect me in the future? What about when my @me service expires (I had just under a free year left)? What email should I link? What should I be worried about if kept separate or the same as they are now?
I still don't even understand what exactly iCloud does yet. If I set up my phone with whatever my iCloud account is, is it locked in? Since no credit card info or applications or purchases are associated with it, it will be of no use in that area.
I am absolutely confused on what I should do, and after spending 4 hours attempting to update my phone, am still stuck on having a useable device.

This point I don't quite understand. It is clear that:
   1) your additional 20gb are available only up to next summer
    2) the migrated account will be downgraded to a free account then.
    3) the purchased music and apps do NOT count in the 5 gb.
So, I don't know what you need the 20 gb in the "unused AppStore account" for. Your documents and emails are all on the 25 gb account.
I think, you can log into your non-me.com AppleID and change your e-mail address there without loosing what you purchased. So, I wonder what would happen if I put the me.com address there...
Not sure, I would try...
Regarding the me.com AppleID, you should make sure you have a secondary email account added there, otherwise it might be difficult to recover that account in case you cannot read the me.com email anymore. Interestingly, when I tried to put my non-me.com address there, it complained about that email already used by a different account. So, I guess if you try to put your gmail account there it will complain. So, you probably need a third independant email account....

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