Factoring in cost, the 925 is the best phone today, hands down
you can buy a new unlocked 925 for $220 at newegg
$70 / mo unlimited everything (including tethering) at t-mobile
compare that to $660 for the Samsung Galaxy S5
660 - 220 = $440 savings
name me the 10 must have apps that are not available on WP that are worth $440. Or even $100.
truth is you wouldn't pay $50 to have those must have apps.