Garmin 265WT definintely. Best buy on that GPSReview.net site I believe. I did do my research and I almost snagged it on CyberMonday for 30% off. It's still an insane buy. However, me wonders when Garmin's revealing their '09 lineup.
BTW my research shows that the FM transmitter is as good as the MSN traffic thing. So while some FM traffic sets might be more expensive than the ones where you have to subscribe to traffic, the subscription fee bumps your total cost up in the end. Why not use FM free traffic for life? It's just as good. Plus come on... you have the good old radio.