You will get very biased answers in this forum on this topic so i will try to be unbiased here.
Your options.
1)Get an iphone 5. This has the benifits of a familiar user interface for you, and the fact that all of your purchased apps and accessories will still work with the iphone 5 is no small consideration.
2) Get an Inspire. The Inspire is a wonderful phone and you will love the customization options, HTCs ability to locate, lock and whipe your phone, the larger screen, the fast speed, but will mostly likely gripe a little about the battery, the speaker. You will be blown away by the camera, the web browsing experience, and the 4g speeds (when they come out) along with being pleasantly suprised by the amount of available apps. I also prefer the market over Itunes. The fact that you can user replace the battery and SD card (which can be cheaply upgraded to 32G is no small improvement either).
3) Wait for the next round of phones to be released. If you are not in a hurry, there are always bigger and brighter solutions around the corner...just know that at some point you are going to have to bite the bullet and pull the trigger on SOMETHING. If money is a concern....suck it up and get the inspire now...its a bargain at $99.00