You don't know what NFC is if you think you turn it on and there's an app that says NFC. The apps that will use NFC aren't out yet as the industry hasn't matured. It's just like Bluetooth and USB ports were in the early days. the hardware was in computers and devices for years, but you couldn't use it because it was just the technology piece. The Battery door has the antenna, nothing else. The NFC radio is on the motherboard.... Until the Carriers, or other vendors start providing the Payment Services,
(and the other features that NFC is used for), NFC will just be part of the device.
http://www.gsmworld.com/documents/nfc_services_0207.pdf