Keep in mind that the way techomancers see the Matrix is
completely different from how Joe the Hacker sees it. To a technomancer, the Matrix is litterally another world, one which they exist in. To a hacker, it may seem like a home, but it can never reach the level of a technomancer. Hmm, hah, then I guess it's ironic that technomancers are called "Otaku" (a form of saying 'house' in Japanese - though there are conditions, but we'll just leave it as meaning house)
I point this out because it would simply be
bizzare for a technomancer to use a commlink while developing their forms. It would be kind of like looking through a window and telling someone inside to do stuff for you vs just going inside. Especially when it's your home that you are ordering someone to do stuff for you in.
Now keep two things in mind with this statement: 1) It is
not impossible, thus making the concept unique, 2) When otaku began fading, other otaku would begin teaching them the skills that they would need in order to use an ordinary deck system, so maybe your character is preparing for the future?
As it says in the book, essentially you have to buy their skills separatly:
From what I've read, while otaku were rare, they at least used to form into tribes with one another, so obviously finding each other wasn't all that difficult. Also, keep in mind that not only did the second crash create more otaku, it also reawakened the connection that many of those who were faded lost, so in a way there are more.
One final note on all the critisizm against Emo and RP (actually I think it may have just been one person on second glance) within the context of this thread, I'd like to point out that making a character 'work' on paper can be just as important as making the character 'work' in character. I see that many times people will gimp their character out (like playing a bind/deaf mage in Dungeons and Dragons or a level 1 commoner) and take a 'hollier than thou' attitude towards anyone who would dare suggest they play something more viable.
To this I say: try listening to their advice and consider it before you bash it as 'powergaming trash.' If it doesn't fit your character concept, that doesn't make their advice wrong. After all, they were just trying to help.
I know a powergamer, and while his characters are vastly superior to those around him, because he puts so much work into building the character he in turn puts just as much work into making the character a real person. Being a powergamer and being a roleplayer are not mutually exclusive.
((This is like my 5th edit
))
In terms of the origional question, the best example given would be like how a mage would feel if they were suddenly cut off from magic (though sometimes if that happens it can have more dire consequences). I would think it would be more dissorienting than anything else, I'm not sure why it would impose penalties however, though I can see it from a certain perspective.
Becoming a technomancer alters the very structure of your brain and how it works, so if you lose the stimulation that the input your recieve from the Matrix provides, it can have all sorts of effects depending on interpretation.
Take ADD for example, the reason for the short attention span is due to lack of stimulation in the brain. I would think that technomancers isolated from the Matrix for even a single day would start suffering from depression and a shorter attention span. They would be more prone to daydreaming because the things that used to occupy their mind would turn to other tasks.
There are many other responces that the brain can exibit when a stimulis is taken away, especially depending on the stimulus. Not only that, but as mentioned before, much of this stimulus is happening at sub-consious levels, so who knows what that would do to a person's psyche.