Yung comparison ng CNET on N95, those are really nice pictures. But, aren't those indoor pics already edited and resized? Did they povide a link to the actual raw pics?
Here are some samples of raw and unedited pics (click on thumbnails).
N95 - http://www.gsmarena.com/nokia_n95_ca...view-139p2.php
K810 - http://www.gsmarena.com/sony_ericsso...view-133p4.php
And, it's good that you mentioned that 5MP cam phone pics are not comparable to pics taken from digicams. That's for everybody to keep in mind.

Regarding N95's GPS, I'll wait for your further evaluation on N95's GPS.

Yup, it really depends on what you intend it for. Kung magagamit mo yung mga features ng phones, good buy ito. Pero kung wala masyadong advantage with your old phone or with cheaper competition, I'd have second thoughts.