Version 20 of the n95 is much improved, though it convert the normal n95 into the 8gb version software wise (all the new things the 8gb brought the old one now has - the flash storage)
With regards to the camera being 'good' for a camera phone it might be quite good but personally i think its pathetic and prefer the 3mp one that was on the n80.
The variable optics / autofocus thing to me is entirely pointless since it has no optical zoom and just adds to the time to take a pic on top of the app loading.
And when it does take a pic the quality is laughable, the images are way overcompressed typically i get 400-600kb images at 5mp (my ixus takes 4-6mb for 10mp)
and then there is the optics 'features' just take a look at this image i took the other week. Notice what its done to the glass on the right
http://www.soton.ac.uk/~kajw102/BMRGT/BMRGT.jpg