Right let me just clear a few things up.
The latest firmware is Version 12.0.0.013. Not v13 like some people have confused it with.
To update your phone you need to go here
http://europe.nokia.com/A4579163 , download the program and run to update.
If it says you have the latest firmware, you need to change your product code. THIS IS EASY. People think its rocket science but its actually very easy just requires the installation of a few programs to your PC. Go here and follow post #13
http://www.allaboutsymbian.com/forum/showthread.php?t=58225 for instructions on changing product codes.
v12 has A-GPS which means the GPS is much more accurate and locks on a lot quicker. To be honest I was never too bother waiting 1 minute for it to lock on before, but now I have to wait 10 seconds and its very accurate!