I downgraded to 4.2 the 4.5 is just to unstable. It will work without any third party applications, but once you download one, you will see how unstable it is!.
I've got .42 installed; so far things work ok. I've got media card issues, but the phone itself seems ok; my Opera and Viigo still work, as well as the native browser, etc.
I've got .42 and I don't really have any trouble what so ever. The worst that I've had happen is the random signal drop out. But that issue is so random that it could be caused by something else. ~via BB (wap.rabroad.com)~