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.