I must admit to having considerable sympathy with the OP's sentiments!
A few weeks ago, the contract on my Samsung G600 expired and O2 informed me that I was due for an upgrade! I thought little of that because I was quite satisfied with my existing 'phone - it was relatively small, easy to text with and enable me to speak to people plus receive the occasional MMS from my daughter containing photos of her kids etc.
However, a few weeks ago, my daughter asked me if I had upgraded my 'phone. When I said "No" she said that as I was an Apple fan (I've has iMacs and ipods for some years) she was surprised I hadn't considered an iPhone.
That galvanised me into a certain amount of action! - I Googled for reviews, studied the specs and read threads on sites such as this. I even visited my local O2 shop and had a look!! Yes! it was a typical Apple product - beautifully designed, packaged and presented, and, like all Apple products - very easy and intuitive to use. The O2 rep thought it was better than sliced bread! Obviously I was impressed!
The trouble was, it didn't really set my pulse racing! "After all" I said, "it's only a 'phone and it's pretty large". "Oh no it's not!" he said "in addition to being a 'phone, it's a mini computer - it plays music and games and has GPS etc etc". I explained I already had a proper computer and an iPod plus the fact that I didn't get lost very often! The straw that broke the proverbial camel's back was when I learned that it didn't even receive MMS messages - I'd have to wait for the upgrade in May/June for that facility!. I must admit that Safari is a definite plus point and would be useful when away from home - the ability to sync my Address Book would be great too. In contrast, threads on Forums such as this describing horror stories of switches falling off, screens cracking, backs scratching etc have not boosted my confidence in the product!
So, as far as I'm concerned, that's the situation at the moment. Come June time with the launch of the new OS, I more than likely, will be persuaded to take the plunge! However, that's not a certainty - as far as I am concerned, the Jury is still out!