Like most have said, run "riser" cabling between floors, then use Cat5e from the riser out to the desk, using a patch panel structured environment. Here are a couple of selling points:
1) If you go VoIP to the desktop, you will need an IP connection, so the cabling is required.
2) If you need an extra PC where a phone used to be, you do not need to run more cabling
3) As IP applications expand, using a cabling environment below Cat5 could require re-running all of those voice drops to support the newest app.
4) Cat5e is not that much more per foot than Cat3. 75% of your install costs (that is somewhat of a guess) is in labor, not the cable.
5) You/we have no idea what the "future" will bring, so why limit yourself by using old technology? (If rotory phones work just fine, why are they so hard to find? Would you install one today?)
Do a cost comparison between a Cat3 vs. a Cat5 install and see what the difference is. I think you would be very surprised.
Hope this helps,
Scott M.