No, you don't need a commercial cert, but you DO need to have access to be able to load additional certs if you aren't going to use a commercial cert.
There are some devices that are totally locked down by the provider. If you don't want to use a commercial cert (I don't blame you for not using one just for a trial), then check with the vendor and see if they will allow you to install a 3rd party (or self-signed cert).
I've blogged about this a few times.
http://winzenz.blogspot.com/2006/04/more-windows-mobile-follies.htmland
http://winzenz.blogspot.com/2006/03/hacking-your-windows-mobile-50.htmlthe second one references a blog from another friend about the same subject.
I've got synchronization working on mine using a wildcard cert (totally unsupported), but I know several people who are using self-signed. It's all about what the provider will support on their customized version of the device.