Sounds like what you want is a Nexus 5, or wait a bit and get a Nexus 6. Consider this:
The PIN code weakness seems odd, as most phones have some kind of rate limit that makes it basically impractical to do before you notice someone has stolen your phone. As for everything else, the Nexus 5 does it pretty well, and costs less than half the price. In fact the 32GB model is 1/3rd the price of an equivalent iPhone 6+. With the massive saving you can easily replace any apps you paid for on iOS. Updates should keep coming for years, although realistically 5 years is a stretch. Apple tend to release crippling updates after a couple of years so that you either get stuck on an old version or are "encouraged" to upgrade your device.
Unless you are absolutely set on an iOS device it's hard to justify an iPhone 6.