Russell Beattie sums up what’s wrong with the N95:
The summary for the entire device can be summed up like this: "Holy crap! Look at all this cool ass stuff N95 does. It’s amazing! But look how well Nokia has completely obscured or hidden all that functionality. It’s insane!"
The thing that Apple has done right with the iPhone is to expose the features so that they’re easy to get to. That’s why it feels like a powerful phone, despite having a feature list which would have shamed last year’s mainstream models: you can actually get to all the features quickly and easily.