I'm one of the lucky ones. Out of the box, I imported a backup from my 1020 and had the usual range of reported minor OS bugs. Got impatient to get x.29 and did a hard reset. I actually did two hard resets. After the first one, I couldn't access my start page. With the second one, I didn't import the 1020 backup and things have been fine since. Moreover, the x.29 update was immediately installed.
Starting fresh with no backup is fairly painless, and all my apps I've ever downloaded were listed in the Store app under My Library, where I could download what I wanted back from the list.
The only current bug that immediately comes to mind is with the Photos live tile--I can't get the slide show going of my favorites. By the way, I returned my 1020 to have the microphone problem repaired, and when I got it back, I saw it had been reset to Windows Phone 8. That original version of the Photos app sure was nice!