clockwork, to reiterate...
GPS usage is FREE. It costs nothing to get a GPS fix from the satellites.
Nokia maps are FREE. If you download all of them via the Internet to your laptop, it is FREE if you have unlimited Internet access - or else it costs whatever your access provider charges, by the minute, hour, day or whatever. Unless you use your PHONE as a modem to access this data, its pretty much free.
Voice navigation is an OPTIONAL charge... and you receive turn by turn directions in real time, as you drive, with different mapping software showing your the route. You don't have to have it, but it sure is NICE.
If you calculate your route using a wifi connection, even that data transfer is FREE.
However, if you are, for example, sitting in a diner in Wichita and want to calculate and download the data for a route from Wichita to San Francisco, and you only have a phone/EDGE connection, then you will be charged for data transfer.
To sum up: GPS is in most cases, FREE, and if you are careful to always do your data transfer via wifi, then it is ALWAYS FREE.
Only if you decide to use your slow phone connection to connect to the Internet and download any data, is there an associated cost.
Additionally, there are third party mapping programs (tomtom, wayfinder, garmin) which you can buy that are compatible with the
N95, which might offer better mapping data in some locations.