I got my phone yesterday, and after about 6 hours, decided to return it. May have rushed to judgement, but thankfully I have another 28ish days until I have to return it for full refund to MSFT. Likely, for many of the reasons posters mentioned here, I'll be returning it too.
I was a passionate WP user from 2010. I understand why a lot of users come here to defend the OS. Other than a few gimmicks, I can't see why this is more attractive anymore over iOS or Android. There are features people want, and they aren't there. No reason to jump down someone's throat. If you don't mind using Edge to pay for your coffee, that's great for you. I, and millions of others, want a dedicated app. It's one less thing in my busy life I have to think about. Phones have evolved to be a tool that should make your life easier and work for you.
On the other hand, I think the apple watch is overly-hyped fashionware, and hope to get a Band 2.