I agree, the physical device looks slick, yet I cannot get past Windows 8 mobile. I've tried it, and Windows 8, it seems unintuitive and "busy". While iOS may seem dated, I'm used to its simplicity.
However, I am unimpressed with the rumored next generation iPhone. If NFC isn't included, it will be the first time I will not upgrade to a new iPhone.
For those claiming NFC is a security "nightmare", far from it. Visa and M.C. have been working with mobile device companies for a while in order to establish NFC pay-systems. NFC has been implemented for a long time in other first world nations such as Japan and E.U. "Blink" card systems have been in use in the U.S. for years, no issues. It seems talks have stalled due to Apple's demands on what percentage they take from NFC payments.