I could not agree more. When evaluating N810 against competitors, two things stuck out: -- N810 is a great piece of hardware -- N810 really lags in software In my opinion, the hardware makes the N810 a potentially great PIM, media viewer/player, GPS, and eMail client. These are all well-established "killer apps" with large markets. The only thing preventing the N810 from competing in (and possibly leading) these markets is the software.
I know there is 3rd party software, which is certainly useful. However for such important applications there should be a much better out-of-box experience. I wonder what Blackberry's market would be like if they had suggested people find and install their own email client, or if Palm suggested people wait until someone else developed a PIM application.
The ROI for Nokia here must be huge. I really can't get my head around why they haven't done it.