If you don't currently have a 925, 830, 930/Icon or a 1520 - this phone is going to be an upgrade. If your are on a 4xx, 5xx, 6xx with no Pureview, (shudder) no flash and (whaaaa!) only 512MB RAM... OMG this is a huge upgrade for you. H+ is plenty fast. No MMS a deal breaker? Go to Straight Talk and get on the Vzw mvno band wagon. Now you get MMS and LTE. Plus 5GB high speed data a month for $45.
I fail to see how a 4xx, 5xx or 6xx user does not win big by stepping up to this phone. Yeah - I'm especially talking to you lower level x20 owners.