O2 owners who also know Samsung's P3 - be honest!

[Bixx]

I'm pretty much set to pick either Cowon's O2 or Samsung's P3. On paper, they seem very similar, feature-wise (in those features that are important to me, anyway), so I'd like to hear some honest, non-rabid input from those who have experiences with both players and could compare their good and bad sides. I have to say P3's considerably lower price and supposed sturdiness make it look very attractive, although Cowon's support for many formats and hi-res video is a big plus for its side...
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Well, some questions I have:
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How's Cowon's built-in speaker compared with P3's? I keep reading that P3's is supposedly better - is it?
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P3 is reportedly much sturdier, with a glass screen and half-metal finish. How's Cowon's sturdiness?
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Cowon can use cards, unlike P3 - how's it in practice? Is it seamless, fast enough, etc.? Are the card's contents and the files in the flash memory treated as separate animals?

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