Don't think the 8520 has GPS so the map apps won't be very useful unless you have a GPS puck.
Most of what you ask has been covered several times. Please use the SEARCH feature, look in the After Market section.
As for productivity applications, what are you asking about - what are your needs? Check BB App World, but you will need a BB dataplan to do so.
I personally think the BB is very useful right out of the box witht he phone, email, calendar and contact apps.
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