Was trying to hold out for the 5 but had to get a 4. I was leaving BB Bold because it was just too buggy. Tried to wait, but hardware dictated my move now. Don't regret it at all, love my iP4!!
No, not now, but in a few weeks you'll be kicking yourself. Often and for the next year. (as I did when I bought the 3GS 5 weeks before the iPhone 4 came out.