Turning off data use?

Hello,
I'm in the US Virgin Islands and I just received a text from AT&T saying they'll charge $20 per MB of data transfer. I'm a MobileMe user, and I was concerned that the MobileMe background communications for email and other synchronization could add up quickly, so I put my iPhone on Airplane mode.
But I'd of course, I'd like to use it as a phone! I'm wondering if anyone has any suggestions for the easiest way to turn off all data communications while allowing the phone to work, when the user is NOT roaming -- there is AT&T here, they just charge more for data communications than they do on the mainland.
Thanks,
Gary

Turning off all those things is a pain, and knowing me I'll probably forget to turn one of them on again. Moreover, if I get into range of a wifi hotspot, I'd want all those things working again; I don't really want them off, I just don't want the AT&T charges.
Apple really should make one overall button to control this.
I'm also a bit concerned that there may be something we're overlooking that could use data -- though I can't imagine what it would be. But the main issue is that it doesn't make sense to have to turn off all that functionality when I really only want it not to use the cellular network. Not being able to do that seems like a real oversight.

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