I wouldn't be surprised if there were an interim, memory bump model like there was with the first gen model. After that, higher resolution screen, HSUPA, 802.11n, faster and more efficient chips, probably a higher resolution camera and a second camera for video calling, possibly the voice stuff you suggest. I think the form factor will basically stay the same but a second, smaller model isn't completely impossible I suppose.
On nomenclature: let's not confuse iPhone generations with cellular network generations. The generation of cellular network used will not always be n+1, where n=the iPhone generation. The next (3rd) generation iPhone will undoubtedly still use 3G network technology:
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The international telecommunications regulatory and standardization bodies are working for commercial deployment of 4G networks roughly in the 2012-2015 time scale.
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