Any N95 or 3G users here?
Yes I have an N95 and use the 3G and GPS.
With regards the GPS, out of the box it was poor, 2 firmware upgrades later and the addition of Assisted-GPS, it now works indoors and locks on outside within a few seconds. In a car cradle it works fine as a fully functional satnav without any battery issues as it's on charge.
3G. The main use for this other than quick web-browsing (much faster than GPRS although the Iphone screen is better suited size wise) would be fast upload of photos to flickr from the camera or indeed emailing large pictures. The camera is pretty decent and gets plenty of work use snapping whiteboards and forwarding them via email. As a leisure device having every photo you take automatically upload via 3G to Flickr is a nice feature and wouldn't be great over anything slower than 3G or indeed 3.5G.
Podcast download also takes considerable bandwidth, so unless you happen to be in a Wifi hotspot, 3G is essential.
I have had a quick play on a Iphone, the build and construction seemed great ,the touch screen and user interface were in a league of their own.
From my perspective, I do use 3G, the proper camera and GPS. The Iphone needs to up add comparable features in those areas before I'd become a buyer.
That said, It is a great looking gadget!