Even out of the box I remember my Droid (and others talking about) having too many "wait" dialog boxes where the phone app was waiting for something unknown. I've read the forums about the FC boxes appearing.
The iPhone was limited in that it couldn't multitask - that's its issue - but the phone portion is solid. Blackberries - stability cannot even be compared. Now we all know that Android is still "in progress" but the phone operation portion should be paramount. How about this absurd requirement to "swipe" to answer the phone? Where does this stuff come from? I'm always performing several swipes every call to make sure one of them might register. Did anyone test this? Put a button there or add the option into the API. End the mystery. I'm hoping 2.2 makes it really easy just to answer the phone.
One other issue - I don't even have a home app or overlay because there was no thought given into having hard buttons to get to the phone app or answer the phone from any screen. As someone else here said, it's as if Droid is a PC first and a phone second. I'm hoping that trend reverses or is at least equaled.