I cannot say this or that about ATT vs Verizon as they do not work here.
Iphone vs Android is mostly about personal preferences, but i think they both are capable of doing things as well. My son has iphone and i use Android. What i do not like in iphone is that is pretty closed system, you cannot much tune it up. For what i know, it is very easy to use.
Android isn't difficult either, but much more customizable.
If you use Mac, then your changes to tune up Android are very limited.
Then there's Windows Mobile also. I haven't used but i've heard that it works well, specially if you have Win PC.