I lived just north of highway 9 for a long time, and had a 416 cell phone. All of my incoming calls were considered local, and outgoing calls to 416 would be local. Some calls to 905 numbers were long distance, with Rogers. Generally speaking, if the cell tower that picks up your signal is south of highway 9, there will be no long distance charges. If you are in a 905 area, and you call another 905 number, even if your phone is a 416 number, it will only be long distance if it is a long distance call from the tower that picks up your call to the number you are calling eg Agincourt to Mississauga.
You could also consider the Canada One Rate with Rogers, no long distance on any calls with in Canada, but the per minute rate is higher. You could also consider Single Number Reach (SNR) with Bell, where you get a virtual land line number, and call forward via a website that number to your cell phone, or your home. It is about 20 per month.