I think there is a third way here, and this comes from my experience on iPad, iPhone, that Google thing and webOS.
As others have asserted, this is about not micromanaging apps. There should be no reason to do this, it is true, and the general public don't want to, or even see why they should have to, do this.
But, sometimes, there is. My 1st gen iPad only has 256mg ram, and so what can happen is that if I have lots of apps that are suspended in the multitasker, there isn't enough ram to be able to store graphics heavy large pages in the history of the web browser. So if I navigate to another page then hit back, it reloads the page. Annoying.
It happens about two or three times a month, which given I use this thing about 2-3 hours a day I can live with. And when it happens, I open the multitasker, hold down on the icons of any apps I reckon take up a load of space, a little x appears, and one tap and it's gone. Problem solved.
Now, in webOS, things were different. Because the multitasker was effectively the way you navigated the device, I would tend to close every app. It seemed odd to me to have them all cluttering up the screen, so they would be closed and opened every time, even though it meant multiple actions. Micromanaging gone mad.
Likewise on that Google thing, desperate to maintain a charge for a whole day, I would be killing processes and switching radios off and on all over the place.
There needs to be a way, either for technical reasons us nerds want, or for pragmatic general public reasons like the excellent toy store example mentioned above, for the cards to be closed. Then, this WP7 lark beats every other multitasker out there.
As it is now, just like all the other mobile OSes, it's good, but kinda lacking. But obviously better than that horrid Google thing
