Re: Rotten apple
Yes is properly multitasks and has from day 1. From your definition of multitasking possibly not. iOS 11 on iPad is probably more what you mean though.
3rd party services? No, correct.
NFC for anything other than payment? Yes you can as of iOS 11, it is admittedly limited a bit at the moment.
Does it have a filesystem? Errr of course it does. Does it have a filesystem area that all apps can randomly write crap into? No. Each app is sensibly sandboxed, but files can be written / read on device to the Files app area.