Okay alot of people is getting confuse the check list is for the Windows OS the firmware is live and people that bought the phone directly from Microsoft and is and unlock from carriers are not getting it some countries are getting from OTA or WDR tool please
read this news link from twitter please add them to your twitter or add it to your favs https://twitter.com/WC\_Headlines/status/751104532357066753
this will clear all the confusion
You my friend are confused. You do realize that every single variant has it's own firmware file, right? The US based 950 and 950 XL do NOT have a completed firmware since the carriers haven't approved them yet - even the unlocked/unbranded phones.
Check for yourself: http://www.lumiafirmware.com/ser/RM-1116/guid/059X505
That is the US based 950 XL, dual SIM. The last published firmware for it is March 22nd. The phones getting the OTA received a firmware published on July 1st.
If Microsoft weren't catering to AT&T's stupid, lengthy whims, we'd have it already but since AT&T is demanding that they test every firmware (NOT the OS), Microsoft can't push it.