i use N95 before but really i agree to Amnesia, this phone crash, hangs-up, stack and glitching or watever. the only good thing i like is the camera 5 MP. (the other features for N95 can also be installed on other lower nokia phones like 6680 or 6600...so there nothing new here just the camera...)

For iphone, i love this phone base on experience. because if you know how to use the capabilities and 3rd apps and widgets, you will say exactly what i feel also. wohooo.
for more info: the Apple release updates always because they add newer application to use with iphone. i heard that video capture, and other phone features that others have will be included. Each update one-by-one. and etc and 3G (maybe?), will be put to iphone on the next next upgrade.
the only bad thing to iphone: why is apple will not release all those goodies so that we can use it earlier.. (but thanks to 3rd Apps developers we iphone user can maximize the phone with ease.)

NOTE:
1. to use msn and other messenger:
use APPOLLO that can be found in Apptap installer when your phone is unlocked.

2. to use SKYPE:
To enter IM+ for Skype please point your Safari browser on iPhone / iPod Touch to: s4iphone.com

3. to use widgets: for example you want Yahoo messenger, google, AIM, ICQ and etc Messenger on iphone:
go to this site from your iphone using Safari:
http://gridgets.com/
then you will see list of Web apps or Widgets.
to use Yahoo and etc etc, choose "Jive talk" and there you go.
you can also add more widgets there as many as you want.

4. to use Installer to get useful application or games:
connect to Wifi, click installer. wait for the installer to update and check for sources. then, after that pick install. pick your choice as many as many really of apps on your phone