Why another thread on this? You already have a thread open with the same question. The 160 character limit is a limitation of the SMS system. It does not depend on the phone or carrier or text plan that you have. Search google for SMS character limit.
Yes. Some phones like my D2 automatically break SMS into multiple 160 character messages and if you have a long enough block of text, it'll send it as an mms instead.
On the BB it won't do that natively, so you need to pick up an app to do it.