I think your going to have a lot of misinformed/Fanboy'ish comments for a while until the platform proves itself. Half of them are commenting on things they don't know about and the other half are commenting on speculation.

The iPhone has "spoiled" a lot of users in a sense. The platform is very tight and controlled thus limiting the users access to file systems/advanced features. This has it's up's and down's. As a plus thing just seem to "work" on the phone without mus or fuss. Downside is that you don't have much flexibility within the system itself. You either do it Apple's way or don't do it at all (or go through ridiculous efforts to get there ala Jail Breaking). The average iPhone user probably doesn't even know what a file extension is let alone what files are buried under the gui on their phone so talk of xterm and .deb files is the equivalent of speaking Latin to the average user.

Nokia has to find the balance between giving advanced users what they want AND at the same time present a clean, efficient, easy to understand platform experience to the average user. Something that the iPhone does very well. The sad fact is that there are more average users then there are users who know how to mess with .deb in xterm therefore if any Nokia product wishes to go mainstream the average user has to be the focus.... Unfortunately.