I agree with Schwert on the Ham radio's reliability.  They give me the "biggest bang for my buck".  I am also a Seattle area Ham user and find that the 2 meter band has been quite a bit more reliable than the cell phones (3) that I've used in the past.  I have been using a 45 watt output mobile radio in my truck.  I have as yet had no experience with a handheld, but several Hams in the area I know have found them to be excellent.
The Test wasn't too bad.  I studied for just a couple of weeks-- probably 8 solid hours of studying.  It does eliminate a lot of the kids chattering that are all too common on the FRS and CB radios. 
I got the Ham rig because I needed a reliable form of emergency communication when I was working at my mother in law's property-- which is in a nearby rural area. 
The Ham folks I've talked on the radio have been more helpful than I thought possible.  They are a professional, pleasant group that have been more than willing to help in local minor and major problems, or just pass the time with each other in a "ragchew" (conversation).  I have got as much out of talking to them as I have with the forums.  And there is a secure feeling that someone is (often) out there listening for a potential problem. 
Just my 2 cents worth.
Tim H., (KD7IZT)