-Some of the above "missing" features are intentional and most of the other phone companies out there would give their first born to have 1/2 of the features/quality and especially customer base that Apple has.
-Digital payments can still be done with s small attachment to the IPhone
-Apps CAN allow the Sharing on the IPhone as you touched on
-Home screen is customizable enough for me and quite simple IMO
-I bet I can still swipe as fast or faster then it takes to recognize my face....if it's dark what are you going to do? turn on an external light and stand by it so you can unlock your phone? HA swipe FTW
-4" will be an ideal size screen IMO. Anything 4.8" or 5" screens inside an overall larger casing of the phone will just seem too bulky for a pocket IMO. Apple has it right
-Wireless charging would be nice but you STILL have to buy the charger to set the phone on, and oh by the way......THAT has to be plugged in anyways. LOL
-With the significant updates and features of the new IPhone.....WELL WORTH THE $ AND BUYING!!!!
Watch this and how could you NOT agree that Apple is still the cats meow :P
http://www.apple.com/iphone/#video