Hi...
21Rouge -
I'm not sure of the cost of buying TomTom Navigator in Canada, but in the UK it cost me £29.95 ($60 CAN). from their online website for the entire maps of Western Europe !
For that cost I got the TomTom program and 1 year of free updates.
I can buy the Canadian map for £19.95 ($40 CAN).
My HTC Kaiser has great graphics and audible instructions when I use the TomTom.
BTW - Here in Europe TomTom is considered to be THE best sat-nav system you can buy.
Using the TomTom on my mobile does incur a cost on my Vodafone £25 ($50 CAN) tariff but it's incredibly low... it works out at 1 pence (2 cents) an HOUR for the data transfer. I only have to pay this cost when I am actually using the TomTom Navigator software via the GPS network.
If your HTC has a loud speaker you will also get to hear the audio sat-nav directions.
I don't know if your mobile does or does not have built in GPS... but I strongly advise that you check out the excellent website
http://forum.xda-developers.com/index.php - this site is dedicated to everything HTC, and the forums contain all the info you'll need to know regarding TomTom use.
If you do need to get a GPS unit, if I were you, Id explore getting a conventional plug-in GPS unit rather than the BlueTooth version - apparently the performance is much better.
HTH,
M.