I have same calling plan, no text package (I use GV instead).
Ditto, 450 peak minutes, no text plan (per-text charges).
Workarounds:
Texts:
- GV for SMS texts
- [10-digit phone number]@vzwpix.com for MMS-like texts to/from Verizon customers.
Voice minutes:
- Sipdroid/GV/pbxes.org (free account, disconnects phone calls at about the hour mark, then gotta redial) for free U.S. VOIP.
Going to a new plan with unlimited voice and texts will take all the fun out of beating our current plan's limitations.