I have used real very little since owning my Treo. The truth is, I used it quite a bit on my Tungsten E.
I would agree that P-tunes is great!!! It also supports streaming, but living here in the sticks I found it not very reliable. Ptunes is certainly on my list of future software!
But since you have spent too much this month, you might want to check out TCPMP for Palm.
http://corecodec.org/frs/?group_id=5...se_id=222#r222
It is a video player but also supports MP-3. When I do listen to MP-3's on my Palm (I actually prefer my MP-3 player) this is what I have been using