Pulled the trigger on a 1520 for ~$220. After looking at features I care about, the two most appealing are the 640 and 1520. The 640 because it's a great value an does everything I really need. The 1520 because it's not a lot more than the the other better phones, and it's a lot better. I couldn't see any reason to go to phone between the two. Figured the faster processor and extra RAM of the 1520 will be nicer as well. And the huge display. And Amazon, so I can send it back for any reason if needed.
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