Re NFC: I am told there are still a fragmented set of ways to do NFC payments so there is market building to be done, and that's not something Apple does.
Also, what does NFC give consumers they don't have with the swipe of a credit they are carrying anyway?
I heard an interesting take on NFC in the iPhone as I was milling about the three-ring circus outside the Apple event. Google has taken the NFC initiative, so now it's actually in Apple's best interest not to adopt it in iPhone. Apple's best bet, according to this theory, is to use competing technology for cashless payment, etc.
Setting the size of the display for the applications community is a BIG deal. Here Samsung et. al. vs. Apple will create issues.
The camera on the iPod Touch could also shake up the DSC point-and-shoot market...maybe.
But LTE and Lightning, that's just playing catch up.