I think despite all the pretences to be looking at this impartially everyone is really extremely emotional when it comes to the iPhone vs N95 debate.
I for one detest the iPhone. Can't say why, there is nothing wrong with except that it is over-hyped and is functionally deficient in a few key features (SMS and telephone calls). Then again, I really want an E90 that appears to suffer from the same issues. Guess I am a Nok-Nok (or whatever nokia fan boys are called)
The problem is that Nokia and Apple (and SE) are strong brands and people tend to gravitate towards one. That's why weak personalities like Macboy are incapable of rationally discussing the short-comings of the iPhone. They see in Apple something they want to be. It doesn't matter what reality is they will love it. For some reason the Apple brand irks me. It doesn't matter if the iPhone is the greatest thing since sliced bread I won't buy it. Fortunately it is a somewhat less than great phone.
However, on a rational basis OSX is far better OS than Symbian. (A. Orlowski might disagree with the following statement but he is Symbian core brand devotee). The Symbian legacy architecture (and unfortunately there is still old code) is dragging down S60 and UIQ. Of course they have also made some bone headed decisions that add extra overhead (which is very counter to the original Symbian) but as much of a "hater" as I am I have been told by many a programmer that OS-X is architecturally elegant and better implemented.
Anyway Apple will struggle in the phone business. The phone product cycles are too short. On an annual release basis (which tends to be Apple's cycle time) they will be out innovated by the Top 5. The N95 is the first Nokia that hasn't been superceded as the flagship within 6 months that I can remember for a while.
And by the by. If apple had brought out the iPhone in 2006 when I believe they were supposed to they *would* be kicking everyone's ass right now. When the iPhone was spec'd the 3G chip-sets were real power hogs... the Product Management was right on but the Product Development didn't deliver.