I had one of my SD cards out of 4 have the problem, so it can't just purely be the phone, has to be related to the SD card quality. But haven't had any of those other problems you mentioned. It really works pretty flawlessly for me 99% of the time, it's a million times better than my TMO Dash on Windows Mobile, so it's a big move up for me on that level.
I agree the upgrade stuff is totally bogus. I think its super ass-backwards way to do things, and I thought the whole idea of an Open OS was to avoid all these kind of issues. Guess not, I think the phone makers and service providers are hell bent on always corrupting everything, just to force people to keep buying new phones, I mean what else could it be. And why do we need 50 phones from each manufacturer? Can't they make like a couple and actually get them right and come out with maybe a new one once a year (see iPhone). Seems like they churn out new phones every month.
Oh well. I am happy for now with my phone. 2 years from now, I'll upgrade again for free to the next cool thing, by then they will probably shoot lasers and microwave pizzas. (I would like to see a radar detector for cars, now that would be a cool integration).