Yes, my predictive text is toggled On, and I get suggested words and I can choose them, but my phone never fixes typos, ever. My Incredible 2 just automatically corrected typos and I expected that with my new S4.
What a pain in the butt not to have a comma on the keyboard, but, yes, I found how to insert it with the long press. I'm not a kid and I like to send texts as if I were speaking with punctuation and whole words. All my friends, who are older as I am, like to do the same.
I've tried most of the keyboards in the Play Store, and 99% of them do not have the numbers at the top, which is a great feature.
I was also chatting with Samsung about it and they said they left out auto-correct. Talk about going back into the dark ages!!