My biggest complaint so far is that my phone crashed and was completely unrecoverable using all methods that RIM tech support AND crackberry had to offer because I updated one of the apps that I got from the blackberry app world and then upgraded through app world too. I would have understood if the crash had occurred during the install/upgrade of an app that I found on the net somewhere but not something I downloaded from our official source for apps.
The best thing i ever did was upgrade to OS 5.0. I had the same issues and have come to the conclusion that OS 4.7.1.xx is unstable junk. OS 5.0.0.419 is out for almost every carrier anow and I have been using it since it was just a leak. It is solid and I would upgrde ASAP (as soon as you do a backup).
As for your comment about BB letting you decide what apps to start at startup, I agree with you but RIM most likely considers it un-necessary. One of the biggest things that people need to get used to when they switch to BB is that the device has no real OFF switch because it is intended to be running 24/7/365. Yes many users do daily battery pulls (I do one maybe weekly myself unless I am upgrading something) to free up memory, but this is not how it is "supposed to be" with BB's in RIM think.