I agree with your points. Completely.
I must say I'm quite disappointed with the very buggy, crash prone iOS 8... And I'm not just referring to Safari and it's obsessive reloads, but now when working in any of a number of apps they just plain crash.
Although I've had every iPhone to date, it's shocking just how bad the 8.1.3 experience is on my iP6 Plus. Nothing like the fairly good experiences I've had with each of the previous iPhones. At this point I'm going to enjoy my Androids while I wait for Apple to fix iOS 8. That said it is rather sad they've let it go this long, some of my new friends that only use one phone are besides themselves with how erratic their iP6 phones are.
Some with less patience than I... have already tossed theirs in a drawer, gone out and bought top of the line Android phones from their carrier. The smiles on their faces when they have a terrific initial experience is priceless. Being their first Android after years of iPhones, all they had as a point of reference that set their expectations was old negative stories that no longer apply. The latest few revs of Android especially 4.4.4 is especially outstanding.
One thing iP6 proves is millions upon millions will spend a thousand dollars at the drop of a hat for the Apple Logo and the "cool phone" they love to be seen with. Taking a page from MBZ BMW & Porsche it's all about the image.
Despite the issues I still plan to stay with Apple because I do like the variety of having both platforms, and the latest rumors published here suggest Apple realized how bad they screwed up and will fix it in iOS 9.
That's a long wait but it's important to remember that Apple's lost its ability to be nimble and responsive. They're in a big battleship now that takes a long time to maneuver. So I'm prepared for a long wait, no problem. It's all just a part of the Apple experience, eventually it'll "just work"