i think nokia have already re;eased a firmware update for the N97, but it remains to be seen if it reaches the vodafone users very quickly, as vodafone will vet it first.
i will more than likely put generic FW on my vodafone (black) N97 which will turn up tomorrow (friday) so that i get all the (no doubt frequent) FW updates as and when nokia release them
bottom line, no you havent made a mistake. there may be some initial teething troubles, but ultimately the N97 should be awesome.
the speakers are nokia MD-8 i think, which are available on ebay for around £5, however its always nice to get something for free
