I think if the silver had a silver keypad with black buttons i'd be more attracted to it. And a silver back. I like that the black looks like a complete package, as opposed to the silver looking to me more like a simple faceplate.
the memory card, the ones from the factory came with a Sudoku game that auto-installs when you put the card in the phone for the first time. For some reason this install is corrupted, and thus will continually try to install itself, obviously depleting the phone's memory. Really the only way to fix it is to format the card in a pc card reader and do a hard reset of the phone. After doing both, i never got a low-memory error.
www.symbian9.com keeps pretty good track of what new programs are available, and there's a place to alert them to new ones. N80 (and pretty much all new s60 devices) being 3rd edition, older .sis programs won't install, they need to be certified or something (still don't completely understand the process, there's another thread on it in the forum)
honestly there aren't any cracks yet because all the software is so new. smartmovie and profimail just came out a week or two ago and the current keygens and whatnot don't work for them.
I personally think the black version is sexy as hell. The silver, while nice, i think looks imcomplete, as noted above.