Have you had a look at the Nokia 5530?
Carphone Warehouse have them on sale for £99, it was originally £129.99
I have one of these phones myself and bought it for exactly the same reasons as you among other things as well.
In my honest opinion, I think the sound quality is the best I've ever heard from a mobile device. It has loud stereo speakers so a loud speakerphone function will not be a problem, it's pretty slim, has a torch application which uses the flash from the camera (yes it has a camera with flash!) and it's battery life is not bad for a smartphone.
The let downs of this phone is that it doesn't have 3G (high speed internet) or GPS. Apart from that, it's a killer phone which is much better than a lot of phones higher up the market.
I'd usually be biased towards Nokia's, but I don't think the Nokia N6303 represents good value compared to the other products in it's price range. The Toco would be my choice out of the 3 as it's very good value for money, but doesn't do enough to make me want it. It has it's own software (rather than running something like Symbian or Android) making it not be able to run the most popular applications. The same is true for the LG, but I've not tried one myself.
Hope that has made your decision more difficult? ;-)