I'm in the same boat as you and went with an iPhone 5 over a 5s. I'd prefer the 5s, but a lot of people are selling 5's on Swappa for $350-400, while the 5s is still going for $600-$650. Considering I'll only have this phone till next September (maybe even less if I wanna give some of the next-gen Android phones a try when they're released), it makes more sense to just get a 5 for $350-$400 and just wait it out. The 5 will still have pretty good resale value as iPhone's hold their value very, very well. I'd go for the 5. Fingerprint sensor is great and all (and I'd know since I owned a 5s before switching to a Moto X... and back to iOS now lol), but the speed differences are minor and the 5 will feel even faster once iOS 7.1 is out since the animations are much faster than in iOS 7.0.4. Go for the 5.
I'd recommend Swappa.com if you're looking for a good deal on one. I just bought mine off of their for $375 and it'll be here tomorrow (currently using an iPhone 4 in the meantime and it's infuriating... this thing never should have been allowed to update to iOS 7!). I can't wait! I love Android and everything -- especially the Moto X -- but as a whole, iPhone's are just more complete in my view. Android excelled in Google integration and notifications, but the camera wasn't that great and apps were sometimes great and sometimes bad. Also, for some reason group messaging didn't work after the KitKat update, but worked on Jelly Bean... that was especially annoying since a lot of my friends have iPhone's and I'm involved in about 4-5 group messages. I'll miss Android, but I'm definitely excited to be back on iOS. Whoops, it seemed I got a little off-topic there lol.
I hear you. I was on iPhone 5 when the screen got a bit bigger. Then I wanted to try Android again. But since I'm a Mac and iPad user, I miss having everything streamlined.
I don't know if I'll go to 7.1. I'm set on being jailbroken, and I doubt 7.1 gets it, at least not for a long while. Maybe it will be best to go with the speeder chipset if I'm going to be stuck on 7.0.4?