With regard to the comparison with RISC OS and MAC OS X :-
Software development costs of Panther year ending 2003 - $14.7 million
Costs involved in development of Jaguar year ending 2002 - $13.3 million
Somehow I doubt RISC OS Ltd's budget for OS development comes anywhere near that enjoyed by Apple's OS developers. I'm quite sure they'd love to be able to add further value to their product by providing everything that the big OS's are able to - but unless they win the lottery or find more custom that is not likely to happen for the forseeable future.
I like the suggestion of meeting some of these needs by bundling 3rd party applications to meet this shortfall (!DigitalCD is a great program ) - that is definitely something that could be looked into if it hasn't already.