IPhone/Edge security and available space question

2 questions here:
1) Is it 'safe' to access sites like online banking or enter credit card information using the iphone/edge, or is it not really secure? As a side-question, is it more or less secure to do the same using iphone/wifi?
2) I have about 45MB free on my iphone (according to itunes). Does this number include ALL space on the iphone (meaning if I fill that up, it won't have any room to cache data/download email, etc..) or does it have a portion of the drive partitioned off for its own uses? Should I be worrying about keeping some free space or will it do it on its own?

1. Safe is a relative term. If someone is snooping they may intercept your transmission. Same thing with WiFi. When you connect to banking sites, you are establishing secure connections, and some have better security than others. But even with a hard connection, someone can have a sniffer hooked up to a port somewhere down the line and intercept your transmission. Bottom line - I connect to these sites and dont worry about it too much.
2. 45MB??? Where did all your space go??? There is a space allotted for the system, but as an old-schooler I have never "used up" all my storage - it tends to cause problems. I am pretty sure the system will alert you if you fill up beyond capacity or if you will hinder its operation. It a pretty smart phone. I would not fill it to capacity though. Its just an old habit I have.

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    For a hard drive try Newegg.com http://www.newegg.com/Store/SubCategory.aspx?SubCategory=380&name=Laptop-Hard-Dr ives&Order=PRICE
    Or OWC  http://eshop.macsales.com/shop/hard-drives/2.5-Notebook/
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