N95-3 What works when?

[jmr333]

I was wondering what would work on the N95-3 under certain circumstances.

With the SIM Card out, am I correct in assuming that the following would work?
MP3/Video
Camera
Web Browser (WiFi)
Skype calls (or similar)
Internet Chat
Bluetooth
GPS
File manager

With the Sim, what works?
Calling (ATT Tmobile or anything with a SIM)
SMS (all)
3G (ATT, but not TMobile or other SIM)
For International use, can I simply swap out the SIM to make calls on a local network?

[baseballfanz]

Without sim card
On Tmobile I'm able to connect to the web via WiFi and GPS.
Music player work also.