Luca Filigheddu just posted some interesting comments on testing the N95 the last few months. It reminded me to add a comment of my own. The cord for the ear buds is two short when the handset is carried at the waist. You’ve got to bend over or tilt your head sideways (looks dorky). The ear piece jack is not a standard size (3.5 mm instead of 2.5 mm) so you may have to hunt around to find something else with a longer cord and mic.
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I’d like to point out that 3.5mm jack IS the standard size for headphones unlike the Nokia’s preferred 2.5mm. If the size really matters that much, go for the BT-ear pieces. (N95 does support stereo playback over BT)