Re: As a consumer - 2 key issues ...
Their Microsoft only policy is embarrassing them badly.
Certainly this confirms one part of the comments here - that part of it is about image.
It's like having been given a company car to drive that isn't the currently cool make.
Or kids having the wrong brand of trainers. No one wanted to be seen in Adidas when Nike was the trend, and so on.
People talk about "My iphone". Not just "My phone".
In reality a phone is a phone is a phone. As long as it has the specification and functionality that people need it doesn't make bu**er all difference which one you have. Except that the cool kids all have an iPhone 6 S or whatever.
But nothing that Microsoft can do will make the Windows phone " cool" - especially after the car crash that was Windows 8.x