This is the honest review of 950 xl as I am the full time windows phone developer and using 950 for a year now let me quickly higlight the pros and cons
pros
Super Camera front and rear do not worry about it it is the best in class in low light also it gives you low noise photos
speaker and sound is also clear and loud as backedby nokia
windows 10 for phone is now very stable as of latest builds are bugs free and app support is also there
Touch 10 point multi touch butter smooth
Display quality as by paper you will have no complain its a pixel perfect display and fine tuned for daylight use also
Use cortana and iris detection for unlocking your phone
Cons
Build quality is the biggest drawback for this phone as the plastic use in this phone prone to scratches
overpriced as it does not look that premium