I updated last night. Worth every penny, safari is much faster, and that nasty SMS lag seems to be gone too.
Haven't noticed any differences in voice behavior. But I wasn't seeing problems there to begin with. Camera still takes forever to warm up.
 
Here's the run down from a more knowledgeable source....
 
http://www.macworld.com/article/137023/2008/11/iphone_22.html