In terms of polished UI/UX, we were hoping the community would fork the example apps and put the necessary polish and usability on them. Features should (almost) all be there, and we're doing our best on platform ubiquity.
However, as ex3ndr's comment below shows, there are people still creating their own per-app proprietary protocols rather than building on something like Matrix.
So in order to help bootstrap Matrix, am sure we'll end up building a killer client app sooner or later if nobody else does :)