For sure I know the N95,
I know it has GPS the great camera, and 3g, its unlocked, ect.
But try and carry one in your pocket all day. It looks like you are carrying around 4 decks of cards. The menu system really is not as usable as the iPhone. Can you stick the N95 in an arm band and go work out? No way! My point is iPhone has the right features and the best form factor for them.
Most importantly N95 does not look as good as the iPhone, look is a big part of carrying around a 400-700 dollar phone, and don't pretend that its not!