Again, what's your major; or are you still in highschool. My highschool required us to use at least a TI-82. In my case, however, a TI-89 may have been too high; TI-86 was highest allowed I think.
During college, most science classes only allowed non-programable calculators (and all lib arts classes too, unfortunately.)
For engineering and math classes it never mattered what calc you had: hell, bring a laptop, it didn't matter since you generally have to show your work. It's more a matter of time to complete problems and determining which formulas/processes are appropriate for the given conditions. For the engineering student a TI-85/6 should be sufficient; but don't overlook the HP alternatives. Athlough I never owned an HP, many do and prefer them to all TI's. Honestly, anything beyond a TI-89 (including a laptop) will just make you look silly in class.
For studying and double checking purposes use your computer. Maple, Matlab, even Mathmatica will be superior to any calculator you can buy. You should learn to program basic expressions anyways.
Note: TI-82/3 are not completely link compatible with 85/6 and so on down the line...
Final suggestion: TI-89 (hell, why not, isn't that much more expensive) and a cheap regular calc for those classes that won't let you use a programmable graphing one on tests.
Edit: My TI-86 takes less than a second to figure " 100! " (is this a hardwired table??) , but does give an overflow error at " 450! "