I’ve done it — joined the Cult of Steve. I got my belated birthday iPhone on Saturday, the first day we could get downtown to the Apple store after the no-upgrade period ended. I’m now happily sending most of my monthly take-home to ATT Mobility.
Apps so far: Urbanspoon, Shazam Google Earth, Easywriter, Evernote, and NYTimes.
Best use of the iPhone: http://ctabustracker.com
More as it develops.