You'd be better off stating precisely what you want it for rather than asking people for pluses and minuses. A good phone for me may not be a good phone for you. That said...
HTC has an app store too, it's just not commercial in Ireland yet. I've yet to come across something commercial a free alternative wasn't available for, or I just couldn't live without; most of it's crap anyway, toys to play with.
The iPhone 4 has a problem with dropped calls, which Apple will "fix" with free "bumpers". Doesn't say a lot about their quality control these days.
I'm not one to sell you on Apple though, I consider it hardware for fashion victims. Wouldn't touch any of their products with a barge pole.