Finished downloading an hour ago. Will install and factory reset this evening when I get home. The phone has been needing a reset, haven't done one at all on it and I pre-ordered it at launch.
I noticed that the first thing it asked me to do after the update was to check/update my emergency address. Not sure why because nothing has changed. Perhaps you should go to that setting and make sure it's current.
My phone is working great, but my coworker had an issue where none of his text messages came over. When I went to my messages, they weren't there, then they all popped up. That never happened for him.