On point 3, the car navigation systems and map data were a separate division called Here. Microsoft wanted to buy it together with the mobile phones, but Nokia held out for a better price, and finally sold Here in 2015 to a consortium of Audi, Daimler and BMW for about $3B USD.
On point 6, as a Finn working in USA, I would add that the stereotypical Finnish engineer in my mind is someone very capable who believes their job is finding reasons to say “no” to ideas. This is a paradigmatic cultural difference from America where most people feign enthusiasm loosely. IMHO one of the things that holds Finland back is the belief that pessimism wins out in the long run.