What will you do in the future when Apple never returns back to the 4" screen sizes and the 4.7" becomes the new norm?
I'll just revisit it at 6s time. It's really a beautiful phone and the display is fantastic...I love typing on the larger screen, but for my daily life the size is a nuisance (from holding it to putting it in designed in iPhone areas in our cars & on & on..). I was looking forward to the ApplePay as well. I still have a week and a half to return it & reconsider but I'm pretty sure it's going back, just put the SIM back in my 5s this evening & was so happy.
Hopefully Apple revisits the 4" size with the next release - there's enough of a market there that other smartphone vendors target it, so maybe Apple will too, but we'll see.
I'm not going to return the phone but I must say the 4 was my favorite as far build.