I doubt you have used it at all. It might not be a flagship but it is a great midrange device and worth a consideration. I enjoy my own, so the "hype" is present for a good reason. Even WC's own Daniel Rubino has/had good things to say about using it.
Edited to add: So does Richard Devine.
Lol have you used the Lumia 640? I am using 920 right now. I would switch right away for that screen and battery life on 640.
Yeah, I have owned the 640. Was considering a new phone for my father as he broke his original LG Optimus G.
What I liked about the 640:
* Cheap
* Swappable back covers
* High resolution display
* Display is fairly accurate, colors are pleasant, and has little glare.
* Headphone out drives headphones well
* Pedometer
* Miracast
* Overall decent SoC
* SD Card
What I did not like about the 640:
* Modem performance deteriorates
* Optically bonded display
* Loudspeaker / Earpiece quality is OK
* DAC is meh
* Display itself is not calibrated, slower refresh
* No shutter button
* Software keys
* Build materials are not premium
Lumia 640 at $99 MSRP is pretty amazing. I like it better than the Idol 3 and ZenFone 2... Of course at its price point its not going to tick every box the way a flagship would, not knocking on the 640.
My father did not like the size of the 1520 I purchased for him, so I ended up keeping it and trading him my 925. The battery life lasts over a day, and the performance is very snappy. He likes the build quality, very industrial looking phone.
The problem with Lumias in general is that there are a lot of lemons floating across the internet.