I was looking ...
... at the S5 -- I wanted waterproof, removable battery, and SD card.
Then I realized that the S5 doesn't have an FM radio ... WTF?
In the end I got a Sony Z1 Compact because while I think a user-replaceable battery is important, I've never actually changed the battery in a smartphone ... but I have listened to FM radio on both my previous phones (HTC and (older) Samsung). It was £200 cheaper than an S5, too.