The Lumia 920 is a very nice, solid build though a bit of a slippy finish on the matt black. I have dropped it already.
The camera is awesome, especially in low light. I don't need a dedicated point and shoot.
For the software itself once I'd found how to quick switch apps (hold the back button) I was happy with the functionality.
I have the London Travel app which lets me put my oyster card balance and specific lines/bus stops on my home screen for live updates.
I've replaced all the apps I actually used on my iPhone except Spotify, which I can't find in the store even though it was there when I checked online a few months back. xbox music appears to do the same job though (for £1pm cheaper) so I think I'll move over to that as I have it on Windows 8 too