The Polar is really good if you are doing a lot of non-running exercises, as it can estimate calories burned off of heart rate, which the Garmin (305) does not do. e.g. If you are running on a treadmill or doing some other stationary cardio, you won't know how much you've burned with the Garmin. Though you can get a foot pod for the Garmin for running on the treadmill, that still doesn't help with tracking non-running exercises.
The GPS features on the Garmin totally rock, though, as does the Garmin Connect web site. Polar does have products with GPS, but they are very expensive.
One Polar product to avoid is the FT80. I was thinking of getting one until I started reading reviews of it.
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