To the original poster:
It sounds like you're leaning toward Nook. The Kindle is going to get the lending feature, but if your friends have Nooks, that's still a point on Nook's side since cross-device lending doesn't exist yet. Also if you want to read library books (I don't remember whether this was important to you or not) most libraries are more likely to have e-Pub than mobi (and library mobis require some computer fiddling to be read on a Kindle anyway) so that's another point on the Nook's side.
I would also suggest that you try each reader hands-on before making a final decision, but unless the screen or the user interface of the Kindle appeals to you really strongly, it sounds like you have a winner.
And I say this as a Kindle owner who loves her Kindle and who is no more locked in than anyone else who sometimes buys books with any kind of DRM.
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