I just ordered an 8820 for a Wi-Fi pilot in my office, but I got to play with an 8320 for the first time today and I must say for a personal device it's definitely better for me -smaller, better keyboard, and the camera is likely just as useful as the GPS.

Are there any software or other hardware differences between the 8820 and the 8320 though?

Wirelessly posted (BlackBerry 8700g: BlackBerry8320/4.2.2 Profile/MIDP-2.0 Configuration/CLDC-1.1 VendorID/100)

You have pointed out the main differences. I believe the OS version is different, but the form factor, GPS and lack of camera are the main differences between the two devices.

Also the 8320 is not only equipped for Wi-Fi but for UMA access as well

True! I forgot about that. Good point.

I think the processor speeds are different. I'll have to look up the info but i think i've seen it somewhere.

I do notice a difference from the 8800 and 8300.

8820 has XM capability