edit: Actually I will talk about the N95 vs iPhone a little, as it is pretty on topic.
I think the interface is better. Clearly that is subjective and a matter of opinion, but I've used both, and I prefer the N95's, in a big way.
You want to talk "flashy"? How about the multi-touch interface? That's all flash, no substance. Things like the 5MP camera, GPS, 3G...those are REAL features that you can USE, that the iPhone does not have. It's impossible to deny that from a features standpoint, the N95 blows the iPhone out of the water.
And as for Nokia phones "being pretty bad", the N95 is my 5th Nokia phone, I've also had a Sony Ericcson, Seimens, Samsung, Blackberry, and 2 HTC's....yes I am a phone whore and upgrade way too often...and my experience with Nokia is always great.
Granted I've only had the N95 for a little over a month, but I've certainly had no complaints.