I've had one since the US release, through work (developing apps/ebooks for Penguin, we're one of the Apple partners for books n stuff). It's so painful having one in my hands and not being able to jailbreak it (legalities of work n stuff). Also up until it was launched in Australia I wasn't allowed to take it out of the office as per our agreement with Apple.
Apps... I actually like the mail and photo apps, as they're so well designed and intuitive. Borders app sucks balls. So far I haven't been that impressed by any apps as such as they're all just blown up versions of their iPhone counterparts, although Wired and Time mag's "apps" are really awesome. Can't comment on games cos I'm not allowed to install them on the one I've got (*grumble*).
Yet to buy one for personal use though. Holding out to see if I'll be buying an iPhone 4G after its reveal in a few days. If I decide to go with an Android phone over the iPhone 4G, I'll just hold out for a HP/MSI/Asus tablet later this year.