I caved!
I have no regrets!
Yes – I will have to get a case, as I experience a significant drop in reception reported by my phone, but currently not a showstopper. Or I am not allowing it to be!

But how to kill an app? Ah – it is so simple! Double click the home button to get background apps listed – and simply press the app until it shows starts shaking – and a small “minus” is visible on each app. Kill it by pressing the red minus sign!