I've had an n95 since July now and think it's great. The only downside is, if you go anywhere near water make sure it's in an aqua pack. I'm on my third now (thank god for phone insurance) - the first two died after getting wet. The first got properly submerged on the Priory Bay cruise, the second get damp but not wet, bit died anyway. Nokia put indicated paper on the inside of the battery compartment so they know if it's been dunked!
Edit: if you get it through one of the big networks, ring up and get a quote, making a note of the persons name. Ring back later and tell the person you speak to you were quoted a different (cheaper) price earlier in the day by (give the other persons name). I got mine for £100 (instead of £150 with the vodafone contract I have) doing this. I add the first person did actually give me a different price so I wasn't lying, but I don't see who it shouldn't work.....