Just a quick update, I've now got my N95, a surprisingly easy process (keeping my same number, was the same network though, pay as you go > contract).
I'm very impressed with it so far, it's very good. I've had a little dabble with the GPS, and I found it's best to use the WLAN connection to download the maps, so you don't incur evil network charges. Also if you download something called Nokia Map Loader, you can select which countries and regions you want and download them via your pc which will then upload them to your phone (via usb/bluetooth), to save downloading little bits at a time.