iPhone or Android? How to decide?

David Gewirtz weighed in recently in his ZDNet piece titled "How to decide: should you buy an iPhone or an Android phone?" Here are a few things one should consider when deciding between the iPhone or an Android based phone:

• 4G/LTE: Android phones support very high speed mobile broadband. iPhones don’t.
  
• Physical keyboard: A few Android phones have physical keyboards but the iPhone doesn't.
• Voice recognition: Both Apple and Android have voice recognition.
• Accessories: If you have adapters and accessories for a platform already, that might be the one you’ll go for.
• Familiarity: If you’re upgrading a phone, do you want to stick with an environment you know?
• Apps: If you made your choice based on number of apps, the score would be tied.
• Customizability: If you want to deeply customize your phone, the choice can only be Android.
• Camera: In test after test, the iPhone 4S bested the various cameras in Android phones.

I have heard that Apple nickel-and-dimes iPhone owners when they add apps but do not know if that is true or not. I do know that all of the Android apps that I use is free. After years of struggling with my Palm Pre (not too many apps on that phone) I really like my Android powered phone. I like the seamless interface with the Google email, calendar and contact apps - it is great having the same calendar and contacts on my laptop and my phone.

What has been your experience? In hindsight, do you wish that you bought a different phone?