Remember with an N95, what you see is pretty much what you get. With WM5/6 you can turn it into an awesome machine. Webbrowsing is terrible on the N95, as is the MP3 player etc. The N95 also has a lot of bugs, including a rubbish GPS chip thats not anywhere as good as the one used in the new HTC's. After a few hours you will realise it's not all that different to the N80 really.
I'm not biased, i have an N95. But it's for calls, texts and the occasional photo. My HTC is my serious bit of kit, could not live without it. When i got my N95 i was like wow, but the novelty wore off after a couple for days and it was back to the HTC for the serious fun/business.
It all depends on what you plan to use it for, they are worlds apart. Power users will be disappointed with the N95. It's not a bad phone though. If you have never used a decent WM device, i guess you wont miss it though. Many people have never tried a really good WM phone so don't see what all the fuss is about, but Symbian is pathetic next to WM6. They used to be enterprise devices, but are fast becoming the lifestyle mobile devices of choice. I know a few people that have just taken there first dip into WM and they are blown away, they are like wow i not know you could you all this stuff
My HTC is my main GPS, Video, Internet and music device. A dedicated tomtom would just give me a bigger screen and Conduits Pocket Player has a much better feature set than an iPod. The N95 is ok for the occasional bit of that, but it's so wet and feature light in comparison. That said, some people hate them. But thats because they are not the kind of person it's suited to, it's all a bit much for them.