For point 5, you know you can make your own ringtones right for free? It takes a while but you can do it. As much as i like the design of the Lumia 900 (it's simply gorgeous and wished the SGIII looked like it), there are a few main draw backs. Let's look at two.
1.) Lack of apps. I tried to convince myself this was an issue, but it becomes one over time. I've had a Samsung Focus and the lack of apps is killing me.
2.) Potential to get stuck on Mango. There was rumblings a few weeks ago that the current WP7 phones (including the heavily pushed Lumia 900) might not get the upgrade to Apollo. This is a deal breaker IMO.
Yeah apps was one of my concerns too...
I know I can make my own (ringtones), I just hate that I have to jump through a few hoops to do it I guess....
If I end up straying from Apple I suspect it will be for Android. I am hoping I won't have to though, but the boredom is killing me LOL!! Yeah I know it's a PHONE but mine is a portable entertainment center too!