Concur with your ideas, VHF comms is the least of the concerns to me, ILS much more so....I, also, have been flying for the airlines for nearly 20 years. I have most definitely had cell phones interfere with VHF comms, though it depends on the aircraft.
During my time at the regional, I had multiple occasions of heavy ticking/buzzing in my headset from phones...on one occasion I was holding short of the inboard runway at Newark and could not hear any ATC clearances to cross 22R because of everyone turning on their phones at the same time after landing on 22L. Have also had strong buzzing inside the marker on an ILS when someones phone who was left on started to affiliate with the system as we descended on the glide...if it was buzzing that loud in my ear it was likely also buzzing that loud on my ILS receiver...not cool when the weather is down to mins. This was all on Embrare aircraft.
Now, at mainline and flying the Beautiful Bus, I have never had a problem...YMMV
Keep in mind that even strong MAGNETS have to be specially packed to ship on on airplane.
Thanks
Joel