Ironically I was bored yesterday and started playing around with the same concept - sort of...
Blackberry is still pushing your pop email via your PIN.
I unlocked my T-Mobile BB and put my cingular card in. First - without a BB data plan from Cingular you will get a "data connection refused" message.
I activated the data plan and still got my pop email. I'm also on exchange - I did not get that email.
I tried to use the bb webclient through cingular to set up the BB to receive my POP mail while removing them from T-Mobile site and the webclient told me that the PIN was already in use (and like you - I never set anything up with Cingular).
My plan is to switch to cingular and drop t-mobile but I can get the enterprise activation button back when I put in my cingular card...
Off to search the forum....