Ok, you really do seem confused about Sat Nav and charging so let me see if I can clarify it for you.
Nokia Maps is free. You pay nothing to use the application or the maps. However, the internal GPS device on your N95 is an A-GPS unit (assisted GPS). This works by making a brief connection with a location server online. It's purpose is to give you a GPS lock and fix much quicker. The connection lasts a few seconds and the amount of data uses is a few kb. Therefore this could mount up depending on the data tariff you have with 3. The good news is that you can turn A-GPS off if you want.
If you want to use Maps for navigation and utilise the voice directions, you have to pay Nokia a subscription fee. This is a user driven process (i.e. not a hidden, automatic thing) and has nothing to do with 3.
Downloading and installing the maps from Nokia via your PC is completely free, but if you download via your phone over 3G/GPRS, you will incur data charges in line with your tariff. You could use the WiFi connection and this will be free, unless of course you have to pay the owner of the hotspot (BT Openzone, etc).
Applications like TomTom Navigator, Garmin XT, Co-Pilot, McGuider, etc are single payment applications, bought from the manufacturer or a supplier. Unlike Nokia Maps, they come with everything (maps, navigation, routing, voice guided directions) and will cost you nothing to use, unless you use some of their extra features like Weather downlaods or Traffic updates that download data. Once again, you will incur data charges in line with your tariff.
Ok, that's the Sat Nav and data charging taken care of. Now the camera.
The normal holding position of the N95 (as well as most N Series devices over the last year or two) is the horizontal position. End of story, really.
Images in the gallery:
It's been an issue of hot debate for some while that the Gallery isn't as "ordered" as it could be, with it displaying every image it finds in your phone. You can create albums, but this will not "hide" the images away. The only way to prevent them from showing up is to use a file manager application like Y-Browser to adjust the file attributes of the offending image files to "hidden".
Marking multiple pics/texts:
Some might say it's fiddly, others intuitive. It's subjective really. Doing the first one takes the longest, then all subsequent pics/texts can just be clicked on and you get a mini contextual menu with "Mark" as the first option in the list, negating the need for multiple button presses.
"8GB is crap":
If your phone can't handle 0.5GB of data then you've either got a faulty unit or there's something you're not telling us.
"Which gps will be free? bluetooth...external? internal?":
ALL GPS is free, thanks to good ol' Ronnie Reagan. About the only good thing he ever did was declare the GPS system free to be accessed by all (subject to receivers being licenced by the US Govt.). After a Korean airliner crashed in the 80's, he opened up the previously "Military Only" system to the world. The only cost involved with using GPS is the A-GPS variant I described earlier.
TomTom requires an external device but virtually all the others can make use of the internal unit in your N95.
"rip off copy = nothing wrong with taht.....it will work as good as normal copy":
Don't put money on it. And there is something wrong with it. I'm not going to go into the whole "piracy" debate here, but suffice to say, it's theft and leads to products being withdrawn or having their development ceased (see TomTom). And invariably, they will be hacked or corrupted or generally mutated and will have an increased risk of failing.
Debranding:
When mobile phone manufacturers release their devices, they do so in a number of variants, each with a unique flavour of the operating system designed for a particular network operator. It might contain exclusive apps or functionality for that particular network. It might even remove or disable applications or functionality that conflicts with the interest of the network provider. It will also contain branded boot up screens, themes, wallpapers and menu structures. In theory this can be quite good, however in practice it effectively cripples the devices and prevents the user getting the most from their device and realising it's full potential. Therefore with some phones, you can "debrand" them by installing the generic firmware with is not brand specific and has nothing removed or switched off. This means you can use the device fully. On Symbian S60 3rd Ed. handsets, this requires you to change the internal product code of the device to a generic code so that Nokia Software Updater installs the latest generic firmware for you. This practice will invariably break the terms of your warranty. It can also have the potential of rendering your handset dead (bricked) if the process fails or is interrupted before it has finished. These phones, by and large, can be recovered, but usually at a cost. If you want your phone to have the latest firmware and fixes, this is definitely the way to go. It's worth noting that once upgraded, you cannot regress to an earlier version.
For someone claiming to be tech savvy, you sure do ask a lot of questions, however, ask nicely (in lower case) and respectfully and you will receive plenty of excellent advice here 😊
Good luck 😊