Like you, I'm a low-volume minutes user (typically 100-200 minutes a month), so I get screwed on a typical monthly plan. I've looked at prepaid plans for just that reason. The problem? No suitable data.
While I'm a low volume caller, I'm a high volume data user. My blackberry sees a lot of email, and I tether it and use it as a modem for my laptop. I have the unlimited data plan from T-Mobile which is the cheapest I can find at $19.99/month, but toss the minimum shared-minutes family calling plan and my wife's line on top of that, and we're over $110/month.
Ugh.