Nokia N95

Has any one yet got the nokia n95?
im planning on buying it on pay as you go, from the carphone warehouse for ?480, with ?10 O2 credit, but i will use my Orange sim card.
is it true that you have to pay to use the Sat Nav. feature???

if you want to use an orange sim card buy an orange phone, theres no point unlocking things it just is crappy

also the carphone warehouse are over charging at ?480 i'm sure look for other places like ebay etc or gum tree first.