Got my first Nokia in 1995 and have been a staunch supporter up to know (albeit with a brief sojoun to Ericsson with their amazing T39).
The hardware is just that - solid, mostly dependable (excusing the N95's battery cover debacle). Phones you can stuff in a pocket with keys, change and a load of grit and will still work 3 years later.
But the software!!! When that just meant putting snake on a 3310 it was no problem - but Symbian has always sucked. S80 never got there (9310i) and S60 is ..errr ... agricultural. My kids has Samsung touch screens, but then they just fashion items ... then I got an Android Phone .. the Pulse Mini. The hardware is cr*p - it will be lucky to last a year - but then Android 2.1 though not mature delivers so much more than S60. And the Android App availability buries Symbian.My Pulse will expire in 2011 but it only cost £70 (plus £8 unlock) so who cares? The replacement will probably be an Android 3.0 phone.
Which rules out Nokia. Pity, Android on Nokia hardware would be really nice.
Believing Symbian can solve Nokia's problem is a symptom of denial. Believing Meego (unless it is Android App compatible) is the same. Remeber Betamax/HD-DVD? That's the story that should haunt Nokia. The best hardware, but the best/most apps/movies will always win.