All of these are reasons why I haven't yet jumped on the bandwagon and gone to purchase an HDTV flat panel like the rest of the world. For now, my 32" JVC tube (which thankfully does accept component inputs and I can use my digital cable HD box at 480i), is perfectly fine.
There are many television stations out there that have yet to be upgraded to digital format, let alone HD. That was part of my job, rebuilding stations and upgrading their system to include HD content. So now, stations that have been retrofitted are multibroadcasting both HD and SD content, because things are still evolving on the consumer end as well, and if they go fully HD, then they lose those customers who have yet to upgrade to a set that will accept HD content.
That is why it is taking a while. A typical job like this would last approximately 3-6 months, depending, and sometimes much longer. Now, mulitiply that by the number of stations in the country, and the fact that there are very few firms out there that specialize in rebuilding and retrofitting these stations, you start to get the idea of why it's such a mess. That's not even taking into account the different world standards, whether it is NTSC, PAL, SECAM, but that doesn't involve HD standards as much as it does regional electrical standards (voltage, frequency), differences in scan rates, etc.
Make no mistake - this is a major overhaul of the industry, and for what it's worth, it's not seamless obviously as you both have noted, but it's getting there. This is probably similar, if not even more revolutionary, then the conversion from black and white to color television.