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I can only vouch for Skype, I bought about $10 online credit and a cheap headset for the computer and any long hold or call to relatives, I use it and so far it has worked great. It cost a total of about $35 last year, $20 for headset and $15 in charges.
Quality is nearly perfect but I think that can be variable.
I have not had a landline for the last 5 years and cannot imagine why anyone does other than you reason about convenience of being all over the house.
I more and more am leaning to ridding myself of recurring monthly charges. Sometimes with no real usage.
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