You're right. But... I'll get f'ed for saying this, but I think Nokia's 'smartphone userbase' is not that relevant. Why? Because they're more likely to buy Nokia's flagship models (smartphone range) because they're "Nokia's flagship"; NOT because of the smartphone capabilities. Smartphone (last season, Nokia's prime): good camera w/ mms/3g call capability, some email, some browsing, some apps. Current smartphone: past gen capabilities PLUS: great email, great browsing, hectic apps ecosystem. I'd say N97 still hasn't made the full transition. (OK, N8 is a new ballgame, we'll wait and see its numbers).
You're saying that apps like office file viewer/editors should be embedded into the OS? Credit card processors (like Square) should be embedded too? Come on. You may utterly hate their restrictive practices or blatant commercialism or how freely inane junks creep into the appstores; but you can't deny that it's been such a sheer force in building a vibrant and productive developer community.