I've had exactly the same experience moving from the Nokia N82 (a slightly smaller version of the N95) to the iPhone.
I lasted 8 months with the N82 then decided to go to the iPhone.
I miss the 5MP camera – the iPhone really has no camera in my opinion, but apart from that its all good.
As Rick says, its the apps that make the difference. Once 3G, GPS, MobileMe and the App Store were added to the iPhone, it really became the killer mobile phone. Before that though, I think the Nokia's were still in front. Now I'm just hoping that Apple puts a real camera in the iPhone one day.