My $0.015 is that overall it's an almost great phone plagued by Windows 10.
1) Build-wise, it's not nearly as solid as other Lumias (even the 640 is a much more solid feeling device) hence I get creaking every time I pick it up, which constantly reminds me that it feels cheap; and this is the first phone I've ever considered getting a case for because I just don't think this thing has any chance of surviving even the most minor of drops, where's I once dropped an Icon down an escalator, watched it bounce step by step and land on a concrete floor, aside from some corner dings, I picked it up, popped the screen back because it separated from the body a little, and I was good to go
2) Every other bit of the hardware is pretty excellent, although I do have a red cast on the bottom half of the screen, likely fixable with a replacement device under warranty (I've had this problem on previous Lumias as well)
3) Windows 10 is still a mess, just about every time I pick up the phone to do something I end up reporting a problem through Feedback
Here are the things I've reported (that I remember)
-- Hello just sucks and I've stopped using it because it is so inconsistent: oftentimes doesn't even appear on the lock screen forcing a phone reboot; it tends to attempt logins while my phone is charging and in sleep mode, disabling Hello and forcing PIN usage anyway; it tends to immediately fail the login even before I've had a chance to put the phone in front of my face; if you press the power button too many times, too quickly, Hello will either shutdown completely or lock itself, even if you don't even look at the phone; if it does work, it can take 3+ seconds for the whole process to work, sometimes it won't even recognize me in a well lit room with the phone perfectly in front of my eyes; you have to hold the phone about 9 inches from your eyes for it to work typically, when it rarely works
-- Notifications take two swipe downs after moving off the start screen because the first swipe isn't recognized
-- Background shading doesn't work if you open an app from the All Apps list and then go back to the All Apps list from that app
-- Outlook won't download a single picture from any source, not even Microsoft sites, throwing the error that the linked photo doesn't exist
-- Trying to use the dial pad while on a call is an exercise in insanity because the screen won't stay lit and you can't see the damned thing
-- Brightness setting doesn't save and is reset after a phone restart
-- Brightness isn't adjusted properly for lighting conditions, whereas with Windows 8.1 it was perfect
-- The design inconsistencies throughout the OS are just too numerous to list, but a few of the most obvious are the highly inconsistent use of the hamburger menu, the ellipse, and list/picker design
-- Sometimes pulling down the notifications center locks the device and it has to be rebooted
-- The left swipe on the start screen is too sensitive and sometimes tapping a tile swipes over to the All Apps list
-- Tapping an alarm toggle has a long delay before the state changes
-- Messaging tends to crash when trying to send a photo
-- Photo processing after taking a picture takes FOREVER
-- Autofocus while trying to shoot a video is WAY too active, even a still camera with a relatively still subject results in focus going in and out every few seconds, never had this problem even going back to WP7
-- The Store just sucks, searches are slow, hitting the back button doesn't take you back to your search, the layout is awful (do I swipe up/down, left/right, I guess I'll guess, nope, wrong guess), and what's with the microscopic Show all links?
-- Edge isn't nearly finished, sites don't load properly, are slow to load, oftentimes hyperlinks won't even work (particularly on Windows Central)
And these are just some of the problems. I also have a whole list of design suggestions the get Windows 10 Mobile more on par with Windows 8.1's superior fluidity and usability, but those are more subjective.