There have been a number of consumer review sites by legitimate companies that compared the N95, iPhone, and the HTC touch and their ease of use to the average consumer entering the market for a smart phone. Here's what they said in a nutshell:
n95 - Feature packed, but hard to navigate hard to type on. screen was decent, but nothing to write home about.
HTC Touch- good features, hard to operate (especially with the stylus) keyboard was a bit too small. screen resolution was poor.
iPhone - good basic features, easy for someone to just pick up and use, setup is intuitive, screen resolution is excellent, keyboard was a little lacking, but corrective text made up for it mostly.
That was done by a research company, with nothing to gain by putting any one phone in the light more than any other. This was also based on the average end user that would just now be looking at a smartphone. The iPhone is a pickup and go phone that covers the basics quite well.
The HTC is for slightly more Advanced users, and the n95 is for someone with a smartphone looking to upgrade.
Personally, i love Nokia phones. the iPhone is the first non-nokia I have had in the past 12 years. And I would still take the iPhone over the N95 any day.
Why? interface, design, ease of use, full web browsing, and if you hack it, it can do things that even the n95 would be jealous of.
That's not saying that there aren't some major things missing on the iPhone that should have been there but aren't. MMS, Multi-texting, camera zoom function, video recording, and the all important copy/paste (if you have never used it, you will never understand why some clamor for it. if you have used it, it can be monumentally frustrating not having it available.)
And as far as 3G goes.... It's here in the US, and in Many Metro areas it's got decent coverage, but that's it. the rest of the country is Edge. Honestly, the iPhone does quite well over edge- more so than any other smartphone I have seen/used, and the iPhone pulls full webpages down.
So bottom line: If you don't care about the touchscreen, slim factor, or battery life, and you are looking to upgrade your smartphone, then I suggest the n95. If you are just entering the market and the above excites you, get the iPhone. And also remember that the iPhone can constantly be updated and improved via software more that the N95 ever could.