Heavily considering Android now after this.
Until then, LTE is for those who have to have the latest thing, regardless of price or who actually need the data rates achievable with LTE and have coverage where you're likely to be using it.
Um, no. There's a mountain of difference between HSPA+ and LTE. The former is like having medium-speed cable Internet, and the latter is like having FIOS. This has a direct impact on user experience.