If you want the best current smartphone (and AT&T works in your area), buy an iPhone.
The Android software has been in the wild for more than a year now and it's pretty well developed, so it's not accurate to compare that to the original iPhone software. The N1 hardware appears to be top-notch so I think the word crappy applies even less to that than the software. So then I guess you are saying the N1 will suck for awhile until they work out problems with the interaction between the hardware and software. That's a fair criticism I guess, although I think unfounded.
I can tell you that this phone does not suck. My girlfriend works at Google so I've played with this phone since the beginning of December. It is most definitely the best smartphone on the market right now. I'd say if T-mobile has a decent presence in your area you'd be a fool to go with an iPhone over an N1.
2) All Droids lacks the wealth of apps the iPhone has.
3) All Droids lack years of market testing like iPhones have.
4) If your girlfriend works at Google, you are certainly biased, and I think anyone who has touched all the major smartphones can't really say any of them are the best except the Blackberry or the iPhone, depending on the application. All Droids and Palms are just me-toos trying to catch up right now. I'm not saying Android and its phones won't get there, they just can't be there yet.
Or waiting a few months for the next release of N1.