I was annoyed this evening while untangling a failed iOS 6.1 OTA upgrade this evening. The good news is that my iPhone is alive and well. I did have to spend a ridiculous amount of time downloading and reinstalling iOS 6.1 via iTunes to get the iPhone out of recovery mode.
In the end, I was able to get my iPhone working again, but after the install of the iOS 6.1 upgrade from iTunes, the iPhone is behaving like a new device. Looks like a little while longer getting my iCloud backup restored and making sure everything truly is back to normal.