I think it's ok if you just want to use as a basic mobile phone.
I found the predictive text fine after a couple of days worth of use. I particularly like the way you can scan through a list of possible words when you enter the first couple of characters. It's never dropped a Bluetooth connection, and even sends data much quicker than my orange c500.
It doesn't record videos, the pc-synch is horrendous and there are a few more niggles.
If you want Smartphone functionality, get a Smartphone (probably a Symbian based handset over windoze mobile). On the whole I’d rate the phone as above the average moto offering and worth getting if you can live without an idiot proof interface and maybe a couple of seldom used pictures.