I really like the iPhone 5S, but I don't like the 5C.
You're pretty much bang on with what I don't like about the 5C. Your buying a plastic iPhone 5. Apple has never been about cost effective hardware, why start now?
5S: They hit the nail on the head with the Fingerprint Scanner. This is what made Apple Apple. Bridging a need with technology. Not bridging a phone to your wallet.
The A7 processor is a significant step up, and although you do not think it will be noticeable; IOS 7 appears to be hardware intensive.
Actions such as Card Based Multitasking, swiping forward and back in Safari, 3D Wallpapers, etc. will pull a fair bit a CPU Power.
They don't seem to be announcing the memory in the phone, but I would expect a minor bump up from the 1 GB in the iPhone 5.
Procrastinating is like masturbating. At first its fun but then you realize you are just fucking yourself.