i've had mine for two weeks now and i can't fault it, i was a bit apprehensive about getting one to be honest because i had the n80 before it and that was a bag of sh1t. the phone is much improved compared to the n80, the camera is top quality and some of the menu features are spot on. i've already used the gps mapping to find myself a litte unfished pit!
the only negative about this is that i took the sat nav deal too, but i've still not received the password to activate it. but, that's not nokias fault, 02 are reasponsible for that.
to sum up, get one, you'll love it!
I have just got an N95 with the T mobile flex deal. Get 180 of usage and unlimited web access for 42.50 a month. Got Carphone Warehouse to give me the phone for 10 and chuck in a blue tooth and car charger.