64-bit chip means nothing right now, especially as the 5C is still 32-bit so developers will keep ploughing out 32-bit stuff and pretty much ignoring 64-bit until it's everywhere (although it's a good setup for the forthcoming days of 4MB+ RAM in smartphones), fingerprint ID is a gimmick which has zero impact on the use of the phone (anyone struggle putting a 4 digit PIN in? Nope, me neither), and iOS 7 is on everything else. Slightly better camera is nice but hardly game-changing. A couple of crappy new colours for the ladeez doesn't appeal to me at all.
Remember, I'm the guy (fool?) who queued up at 4am for the last two iPhones. This offers absolutely nothing over my current 5. Apple have always been about the OS and not the hardware, but that's no longer enough to compete where they need to. I'm sure these will sell bucketloads and more than ever, but I have no issues now waiting for the 6.
I completely agree that the fingerprint reader is a gimmick, but it's one I like and will come in handy. I've never used the 4 digit pin or any other phone unlock code, I'm just careful and don't leave it laying about, that's worked so far and is clearly the best security. However, it also works for out Apple ID which currently has to be a minimum 8 characters including numbers and capital letters, so for me to just place my chosen finger on the phone when I want a new App instead of typing all that crap in, is certainly a step forward.