As just another plain-old-joe average user I love the phone as it was demoed (hoping for gps though) and I am not all that particlarly interested in 3rd party apps. If I have work to do I'll sit at my desk or pull out my laptop. That doesn't mean I won't be looking at 3rd party apps when they come out, but I won't miss them if not available. Having said that, I will pay for gps, word/excel reader, and maybe a game if any of these become available. Yeah, it would be cool to be able to ssh into my server also (you got me there). But none of that is a deal breaker. I hate my cellphone so much that I will drink whatever kool-aid Jobs is selling.

I think that as soon as Apple figures out how to sandbox 3rd party apps they will open up the APIs. Otherwise it doesn't make sense to keep emphasizing OS X. When iPod came out they never talked about the operating system. I do bet that Google will find a way to make docs & spreadsheets work on the iPhone.

So, 3rd party apps would be cool, but I don't care, and a year from now I don't think any of this will be an issue.