Yeah, it does all those things, but nowhere near as well as any of the other devices. I bought my Digicam for $300, I can get a good GPS for $300 or so, my Zen was a little under $300, and I very well could take a free phone from T-Mobile to make calls, or even an E61 for gaming, wifi internet, email, and anything else I'd want my phone to do. Add all those together and I'll still be spending a lot less than the N95. Even if I DO get the N95, I'll still be using my Zen, Digicam, (and GPS, for the example). So it's like I'll be spending an additional $1000 for an all-in-one device which still doesn't satisfy all of my all-in-one needs.
I have to go back to school! I can't be worried about not being able to eat because I want the latest and greatest.