I had just bought an N95-4 myself (which I would suggest you get over the N95-3 BTW) about two weeks ago. Prior to that I had been a diehard "QWERTY required" on phones kind of a guy and was on an E70-2, and most recently an E90, until I realized the reality was, I was hardly texting or emailing or web browsing on my phone anyways. So I decided my next phone should be a "fun" phone. And the N95 is certainly a fun phone.
I'm loving mine a lot, and the funny thing is, prior to getting one, I never took the N95 seriously and never understood why it was so expensive. But minus the QWERTY keyboard, it's a phone that's pretty much got everything but the kitchen sink thrown in it. I've been able to throw full blown movies into it encoded with XviD to 1024kbps, fit to its screen resolution, and run them at 30FPS with 128kbps audio without a hiccup. The speakers are simply the best out of any phone out there currently. It's able to capture videos quite clearly and has a solid camera. The OS is also very fast and snappy as well, which was NOT the case with the E70-2 I had. Battery life hasn't been an issue at all with the N95-4; I can go for 3-4 days with normal phone usage, or 2 days if I go nuts messing with its multimedia side. I have not had to charge it within the same day so far, which seemed like an issue with the N95-1.
I decided to pick the N95-4 over the N96 because, as somebody else said, there's nothing mindblowingly amazing that the N96 has over the N95-4. Plus it may go through a usual Nokia release phase of coming out in the European version first, before finally having a North American version a year later.
In any case, I'd say go for it...it's a phone that truly lives up to its hype IMO. You may also want to look into the N82 if the camera is really important to you, as the N82 currently has the best phone camera available I believe. Pretty much all of its other specs are very similar or the same as the N95, other than an obviously smaller screen.