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I know how you hate to upgrade anything, but try upgrading the firmware on your Treo

Yes, seriously if you are using a Treo with Bluetooth audio, you do want to have the latest firmware.

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I almost get in car accidents trying to navigate the menus to dial a phone number.

If you have a carrier branded phone, you may want to look into hacking it to be 'unbranded'. The advantage is you don't have to hunt through the menus to look up a contact. I can just tap someones initials and press green. This option is not available on the Orange UK firmware and I think it is also the case with other carrier branded firmware.

If you want more info, send me a PM.
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Hussein