If only the answer were so simple. Here's some true or false questions to ask yourself:
1. I need an all day battery that lasts (at least) 24 hours without a charge.
2. I don't mind a little extra heft in my pocket if its there to give me that all day charge.
3. I want a good camera but don't need it to be the best at taking action shots.
4. I don't mind if my phone doesn't receive an OS update beyond Lollipop 5.1.
5. I would like my phone to include a complimentary 1 time exchange in case I break my screen.
If you answered TRUE to at least 3 of those questions, the Droid Turbo is a great option for you. If you answered FALSE to 3 or more questions, you might want to look elsewhere.
Personally, I really like my Droid Turbo and do not regret purchasing it a couple months ago. I don't think that Lollipop is so amazing that I absolutely must have it immediately today (now now now!!!) on my phone. It has been buggy on other phones, to say the least, and I prefer stability over bleeding edge. Kit Kat is very stable on the Turbo and I am more than pleased with the phone's performance on Kit Kat. The camera does have a somewhat slow shutter speed (which is easily overcome for action shots but long-pressing the screen for rapid fire shots) but the images it creates are beautiful (IMHO). Also, Motorola made a good faith effort to fix the camera lag issue in a recent app update for the Moto Camera. It would seem that the lag may be able to be fixed via a future software update.
In addition, the fact that Verizon will exchange the phone one time in your first two years of ownership if you break the Gorilla Glass screen is just icing on the cake (since I bought the phone secondhand, I do not have insurance on it so this 1 time trade in is a great thing for me). So, here's why I like my Turbo (in no particular order):
1. Blazing fast processor, no lag in anything I do.
2. Stable OS build.
3. Battery lasts me at least 24 hours, typically around 36 hours.
4. Built like a tank, my 9 month old son has yet to destroy it despite his best attempts.
5. Camera takes great pictures, even if it lacks in shutter speed.
There are some on this forum who do not share my view (so jaded!!) and want out. For some people, the fact that the phone has yet to receive its Lollipop update is why they want out, for others it is the somewhat slow shutter speed of the camera.
I hope this helps you. I bought my phone secondhand for $400 a couple months ago and I still believe it was a very good purchase. But, of course, YMMV. There is no easy answer when it comes to determining which is the right phone for you. It's all about your wants and needs.
BTW, according to your math it appears you are looking at the 32gb model. To future-proof your phone as much as possible, you might want to pony up the extra $50 for the 64gb model. There is no microSD slot so you are limited to the internal memory only. Of course, this all depends on your personal wants/needs.