I am a Virgin Mobile subscriber using their $25 beyond the talk plan with a UTStarcom Arc (now PCD Arc). I was able to install Opera Mini, Gmail, and Google Maps out of the box from the respective websites. There didn't seem to be any way to install other applications as the phone never recognized the jad file (points to the jar application file) as something that could be used to install applications. After examining the text of the jad files provided by Google, I determined that there was no difference in the text formatting (I also examined whether or not the server was setting the jad MIME type correctly, and that wasn't an issue either). After some beating of my head against the wall, I had a thought: What is the OpenWave browser (standard on the phnoe) was restricting jad files by URL? To test this, I uploaded the jad and jar files as attachments on one of my Google Sites pages and then linked to the jad file (I had to use the full download URL from Google Sites, which includes attredirects=0&d=1 at the end of the URL). Low and behold when I opened that link in my mobile browser it downloaded and installed the jar file. YAY!!!!!
Although I've only tested this with the Arc, I assume that this world work on any J2ME phone that Virgin mobile has. Interestingly enough, Phone Arena doesn't list the Arc as a J2ME phone, but it is.