I have this gut feeling that all VoIP services are one scam or another in some way. I've never used any, and will never use any (besides Cable TV VoIP) ever.
A scam? Howso? I've been using Skype for maybe a year now without problem.
And the quality of a Skype-to-Skype call is immensely better than when calling a landline or cellphone.
OP: Do you plan to use your PC as your VOIP "phone" or do you want a standalone phone? Either one can be done.
Pretty much go to Skype's website, set up an account, and download the software.
Get yourself a nice headset mic. I used
this wired set for awhile, but recently got
a wireless set.
Concerning the part about getting a phone number, I've not done that part yet, but I think it's pretty painless too. Their name for the service is SkypeIn, and it's $5-$6/month.
Maybe sign up for the pay-as-you-go account first, which I don't think has SkypeIn, but it should let you call to landline and cellphones, just to try it out initially - then upgrade to the monthly plan to receive calls, and get yourself a phone number for your account.