I didn't think OS4 was going to be released until next week, but I already see folks commenting that they have in installed. Do I have this wrong?
The Gold Master was released. If you have a Mac you can find a download for iTunes 9.2 Beta, then find the iOS4 Gold Master and anyone can install it even without a developer UDID.
If you don't have a Mac, you (and I) are SOL.
I have the GM candidate installed on my iPhone 3GS and it is awesome. I can never go back to 3.1.2 anyway, so why not enjoy it.
The GM seed is for developers only. If you're not a dev, wait until the 21st. It's not that far away.