I 100% agree that for the device to be brought to it's real potential, jailbreaking is necessary. The risk, however, is rather small - when the updates are applied, it just un-jailbreaks the phone again and one has to re-jailbreak it, assuming that it is available for the newer firmware. The main risk with updating is if the phone was unlocked (e.g. not carrier locked). To note, Nokia ships the NIT's without root access also - jailbreaking is very similar to "gainroot" in effect. Most of NIT's advanced functionality also comes from "unofficial" solutions (e.g. Debit, most 3rd party apps).

And indeed, I would agree with the "Much better browser" comment. Likewise, the iPhone's built in speaker isn't worth a darn. Also toss in the FM Radio on Nokia's camp.