Additionally, I don't know if the general population would be on board with your feature list.
For example, why would my mom, sister, wife, or grandma want a sd card? They all by the 64 gig device and that is more than enough. They access their photos on their iPad through photo stream, email, etc. I'm not even sure if they know what an SD card is.
I hear you on the pin connector. But again, people will fork over the money to buy an adapter if need be. Most people aren't going to throw their phone out the window of a moving car because they have to buy an adapter .... Most.
No idea why I need access to the file system. I can store any type of file I want and access it without any problems. It takes an app, but even my grandma knows how to do this. SO maybe if you elaborate on the problem the context of an average consumer might have regarding the file system, I would better understand.
Who the hell are you share your phone with? Additionally, how often is that happening? Even if I had this I would never use it. So much damn work. Additionally, I'm usually standing right there when someone borrows my phone. I never hand it to a stranger and then wander off.
Anywho. I can't argue that the changes are as revolutionary as the iPhone 1. However, the device got thinner, screen got bigger, physical design looks sweet, camera got better, software is getting better, and the device got faster. It's not curing cancer, but that is a damn good phone.
I'm upgrading my 4S tonight. Given how much I use my phone I find it worth the couple hundred bucks. Especially since I can sell my 4S and drastically bring down my net out of pocket.