Ok, so I'm away from my wifi network and am only on 3G. Thinking Safari is running slow I enter into Settings and "reset all settings". I rarely do this and have always had success in getting things running smoothly again. Not this time! Maybe you already know this and I'm the fool, but unlike times in the past when the iPhone simply resets and you're on your way, now it completely needs to start fresh- thus requiring wifi so iCloud can do its magic. Such a pain as I was without a phone until I got home to sync. Just a tap on the shoulder in case you didn't know 5.0 does this now. Wanted to save others a little grief!