Featurewise, the N95 runs circles around the iPhone. The iPhone is basically just a regular iPod Video with phone and web browsing capabilities. However, everyone has to remember that every phone is varied differently between each user. If you're the type of person who is new to the PDA world, has iTunes, offer something different to the average cell phone consumer, and does mild web browsing, then the iPhone is probably for you. Yes, the iPhone does lack some of the features that others have right now (I won't go into the details because you can find other arguements elsewhere...and it has become tiresome). But what Apple has done with it's web browser is just amazing...seamless and smoothe. Not to mention you are actually viewing sites in their entirety, not WAP versions. Even with either using a N95 of HTC Tytn, sometimes they cannot display sites entirely, especially when one is running an Applet. The virtual keyboard on the iPhone is something new. Just remember to keep an open mind, and you'll get used to it in a few days of constant use. Now, if you need other advanced features, and the need to install and use programs (and customize your phone), something like the N95 or Tytn would work for you. Of course, you're going to have to deal with a few "quirks" when using Nokia's Symbian Operating System or a Windows Mobile PPC. A Symbian phone is more user friendly because it tries to still keep a phone feel for the consumer. However, some people think that Symian is a tad slow in terms of menu response. Windows Mobile PPC, just like any other Windows device, you're probably going to have to restart now and again. Also, others have complained that WMPPC's lean more on the PDA side than a cell phone, so sometimes get confused with how to use one...leading some to say that 'it's just too much phone'. However, WMPPC (and WM Standard) are great for someone who is an Outlook power user.
I have had the Tytn, N95, and the iPhone...Pros and Cons for every phone. You just need to do some research on which suites you best, and make an informed decision.
BTW...OP, you can find cheaper prices for some other phones on sites like MobilCityOnline or Plemix. Some of those prices are a little high considering some have been out for a while.