I was pleased to see this post over at the Nokia Conversations blog discussing the problems with the firmware upgrades. I'm glad to see that they are willing to have an open conversation about glitches. As they mention on the post:
Still, as exemplified by Amy, there is always a chance that something will go wrong. In those instances, the Support Discussion Boards are a good place for info. People who've had issues with the firmware update have solutions for resetting the phone and some have tips on things to avoid.
I got some tips on how to fix my performance issues with the N95 that I hope to futz with this weekend. I'll let you know if it works.