Hmm.. HTC Thunderbolt
I'd say - the Xoom is awesome! If you have any investment in to the android eco-system/google then you should totally consider it.
I don't get the "average user" type of lingo here.
You can pick up the Xoom, install apps, change some stuff up and have a lot of fun with it, if you run into a few things you want to change and don't know, well that's what we're here for
A lot of people complain recently because the Xoom doesn't have 4G yet, or netflix or flash, or the sd card working, but a flash build has been leaked and works great (it's coming on 3/18 so it's a real non-issue). It'll be upgraded to 4G soon enough (before there's a 4G iPad, by about 9 months).
External sdcard support will hopefully be here sooner rather than later and it's not like the ipad can do this either.
Netflix is the bummer, I hope it gets done for this platform - a work around I"ve been using is to use to flash and the amazon instant streaming movie service. Works well enough, just not as big of a selection like Netflix.
Aside from those "sticky" points - the Xoom can stand by itself as a flagship android tablet. It's super fast and you can really open game after game and browser tab upon browser tab and it just keep on trucking like it first boot up.
At some points it depends what you're looking for, it also depends how much you like the device.. so if you pick up the ipad2, and as much as I love my Xoom it pains me to say this, but have that "tech ah ha" moment, then go for it, but I'm hoping you get the Xoom and you're like WHAT, holy cow, this is awesome.
Do you have any specific questions maybe we can help answer?