Average Joe...well that is me when it comes to this...all i can tell you is that you must understand that this device is not a phone first and a mini computer second, but vice versa.
That being said, the device, the OS, the apps and everything else are relatively new and in some cases sparse. So yes, you will experience some frustration, so be patient. Dont listen to the doomsday horde!

But, once you hold the '900 in your hand and once you start reading the forums and seeing how others are pushing the '900 to the limit and the support the users are giving each other, then you will realise that this device is worth the time and effort and price.

I am not a geek/power user/dev/whatever...but my '900 is just perfect. It has what i need, does what i want and when i am feeling particularly brave, i read the forums/wikis and experiment with the X terminal. Once the next FW is out, then i plan to be a big boy and OC it to 800/900Mhz

and that is the joy of this device, you can play with it!! read the forums, look past all the whiners, flamers, fanbois and read what people like titan and lehto and cpitchford(? my apologies) and many others are doing...they are really taking this device to heart and inspiring many others to get the full use out of theirs.

'Normal Joes' should not be shy or timid of using the '900...it is worth the while owning and using it. If all you are going to be doing is using it for yuor apps, music, etc then pefect! if you want it to experiment with, then perfect!