All of this applied to the Lumia 640 too, their bargain basement low end phone. Even the "snappy response" part. One of the best phones I've ever owned and it still travels the world with me as a backup (and has even been used to that effect when my wife dropped her Nexus 4 and broke the touchscreen on one trip).
Still using the 640 as my primary phone for the exact same reasons and really can't complain. Picked up a few of them when they were giving them away practically for free, simply because of the quality and sturdiness of the device - and the fact that I seem to rough or incapable of keeping nice and expensive device in proper operating condition. It has pretty much all the apps that I would need, with the one exceptions, as someone noted in another comment, some of the banking apps. Funny enough, for that problem I keep an old android phone around to use in wifi mode. I do get a bit of crap when someone notices it is a windows pone, but hey, it is a good conversation starter over a few pints.