Why I would not buy a N4: No removable storage. I don't trust my data in the hands of a cloud provider, I want it on my phone where it is completely under my control.
I've tried a bunch of Qi chargers. Samsung's official S3/S4 charger is my favorite. They cheap out and don't include a USB cable or power supply, though, so you have to buy those separately. (Anker sells one on Amazon that does include a power supply that works great with the N4. Works very poorly with the S4, though, which just goes to show you how flaky random Chinese imports can be, even if you pay $50 for them.)
1) The assumption that the person who owns the phone owns a computer, rather than borrows someone else's when they need it.
Modern phones have hdmi outputs, and work with bluetooth keyboards. It is entirely feasible for the average person to use a high-end phone as their primary computing device. Especially with the carrier subsidies making the up-front cost so low. This will only become more common as phones get more powerful.
2) When you've moved the data off your phone it is no longer immediately at hand.
Flash storage is cheap and only getting cheaper, leaving off a micro-sd slot is all about pushing a cloud-storage paradigm rather than letting the user decide.
So maybe ok, if you don't have a computer, don't buy a Nexus 4. Or buy a computer with the difference of prices between a S4 and a N4.
Or is the concept to keep a pile of sd-cards with all your data on it? I guess it is conceivable, but why would anybody want that?
Personally, if I'm storing important memories, I am NOT going to trust a loseable, breakable thing in my pocket to be the final resting place of JPEGs.