Yeah, I also got the OTA update and I dont see Adobe Flash 10.1 on the market. I also dont really know what else is in this update. I dont really see anything different?
Here are diffs that I've seen (still playing around so there may be more):
1. Camera - rotates 360 degrees and the tools on the screen rotate with it. App loads faster as well.
2. Video - can now use the LED to shoot in low light; can record in 720P.
3. Browser - can rotate [hone to the right for landscape.
4. Flashlight App - for those who wanted a flashlight app that used the camera LED instead of the screen, one comes with Froyo.
5. Better 3G (sucked on 2.1) and call quality.
7. As I understand it bluetooth dialing is an added feature. I tried it out and it works pretty well.
8. Can choose to use a PIN or password in addition to pattern to unlock phone.
9. Can save apps to SD card (if app allows this).
10. Mobile Hotspot - I believe VZW charges for it though.
I haven't noticed any change in battery life though. It's great that it hasn't gotten worse but I'm a little disappointed that there is no improvement. Some have reported an improvement after a hard reset. I don't think I can deal with yet another reset right now.