I upgraded from a Nokia N70 to this phone about a month ago and recently upgraded the firmware to version 11 (via Nokia Software Update).

This phone is as close to perfect as I can imagine for my needs, and can only imagine that firmware updates in the future will fix the minor bugs and glitches I'm currently experiencing (the firmware update I just applied fixed a lot of them)

PROs:
Every function that I loved in the N70 (which is a lot) got improved. Slight functionality improvements to the parts that already worked well, and completely new features that rock my socks.
* 5MP camera takes great shots in daylight, very decent shots at nighttime, though I'd suggest using the night mode versus automatic for those.
* WiFi is awesome.
* Web browser rocks. Much better, IMO than the Opera browser on my N70, which was very good in it's own right.
* OS (S60v3) response time is *much* faster than my N70 (S60v2)

CONs:
* Even with firmware update, camera takes too long to start (though once it's open, taking pictures works quite well and quickly)
* Maybe it's just my particular hardware, but it takes a ridiculously long time to find a GPS signal. Most of the time it just doesn't get a location at all. (However, once it does find a signal, it's spot on for the rest of the time I use it)

try opening your keypad when starting gps.
The gps aerial ip located under the keypad, remember to keep it clear and this should quicken the response time.
Remembering other factors also, such as the weather, tinted windows in cars also affect this,
I've managed to put garmin mobile xt onto my n95 8gig and it works a treat with the internal gps