Can you use phone & tether at the same time?
With an AT&T Blackberry, I could Bluetooth tether and talk at the same time if I was on a 3G connection.
If I was on an EDGE connection (lower speed), an incoming call would put the internet on hold, which would cause my company VPN to time out. If I didn't have VPN up, the internet was usable after the call was disconnected, but not during.
The fact that I live in an area that didn't have 3G until about two weeks after I bought the MiFi is why I bought the MiFi.