Got the phone last month & my mate got Nokia N95. The N95 has loads of problems with the software, not to mention a battery that needs to be connected to the mains everyday (yes, it's a semi mobile phone! ).
If you want a phone that is GREAT as a phone (fully mobile) & does more & is a proper camera get the Sony Ericsson K810i.
If you want a flash but rubbish phone that tries to do everything & loses the plot along the way, get the N95 (the screen & 5MP camera are amazing - but you couldn't careless when you're on a phone call & it gives low battery warning).
The K810i even has 'spot metering' & you can do 'depth of field' shots where the bit you didn't focus on is blurred, like pro cameras! I kid you not.
There is a K850 with 5 Megapixel camera on the way, so you may wish to hold on to your money till then.
K810i = GOOD PHONE (Since it's still relatively new it could do with more language sets being available on the firmware).