I am using this phone for last 3 months and has fallen in love with it.
I find it better than any other PDA type business class phone because it has all the features to flaunt.
Screen is large with good sensitivity and response. For easy input there is a full keyboard and navigation is easy due to jog dial.
Beside these there are some intelligent features like auto-re-dialing and easy to manage contact list.
On negative side the phone is slightly slow because of its OS. Window based phones are better. On music front, it lacks in few aspects that Nokia has. Like one cannot edit entries / tracks in the music player. I found this strange.
Also to use camera feature, one has to spend some time in understanding menus option.
On a over-all basis this a good phone and like it ove O2 Zinc, HTC Touch, and other models.
N-95 could have been better if there would have been a touch screen.