I really like my Instinct as I wanted an iphone like phone without the cost of the plan that AT&T rips it's people off. I also have friends that have the iphone and have terrible reception and such.
I love the instinct as I upgraded from a Mogul and let me tell you, you won't need 3rd party apps but there is going to be an Instinct app store where you'll be able to download apps for the phone.
My mogul only came with a 512 MicroSD card and my Instinact came with a 2gig microSD card and you can listen to music much eaiser on the Instinct and the webbowers is much better.
It is a great phone for the price and I really love it!