It is, indeed.
The thing that made me chuckle is the recent use of the word "incomplete," which of course is very different from "unfinished" ... makes it sound like chunks of the OS are actually
missing, which isn't the case.
And of course, at some level
every piece of halfway-complex software is "unfinished" ... like 1.5, for example. It's got more lag than 2.1, so the optimization is clearly unfinished, and they never bothered to finish video playback.
But if you mean "unfinished" in terms of "deemed ready for release by someone at Verizon" -- well, we don't know that for sure, either. Verizon is clearly having problems with its OTA distribution system, so for all we know the current 2.1 version is just sitting in an upgrade queue, waiting for them to get the distribution issue figured out and the Droid upgraded to 2.1.
As for the problems a few folks are having, those are going to be repeated in spades when the software is officially distributed. This is a major upgrade, and people are inevitably going to have issues ... and more and more app-related problems are going to surface, since most app developers have probably never tested their work on a 2.1 Eris.