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The flaw with most internal + caddy combo's is that the caddies are prone to failing sooner than external drives. This is especially true of firewire connections. In fact even with normal firewire drive, including Lacie (which are very good drives) is that the firewire bridge burns out long before the drive fails. Also, internal drives are not designed to be lugged around, so unless the caddy is well designed it will also be more prone to physical damage.
Lacie drives are often normal internal drives (type you can buy anywhere) with a good caddy built around it.
You need to figure out if bus powered is important to you? If so, go the firewire route as it is generally more robust and more common for bus powered drives.
If not you can get a great deal on USB 2 drives - I know I'm in the states but I just got a seagate Freeagent external 500gb USB 2 drive for less than $90.
I've heard a lot of bad stories about esata external failing due to the esata bridge dying. I'm not sure the connection works so well as an external option.
Personally, if it's just for mp3's and photos etc, get a known brand (western digital, seagate, lacie etc.) and make it USB 2 or FW. Don't forget to make a regualar backup of your most treasured personal stuff on something like DVD's.
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