I called AT&T to confirm this recently. I originally thought that the
N95 was a PDA and I also thought about the $39.99 option. The one AT&T rep on the phone also said PDA unlimited plan would be $39.99. I called AT&T later that same day just to verify and the rep looked at the phone and compared it to the N75 that AT&T currently offers which is not a PDA and informed me that I should sign up for the Unlimited MediaMax for $15. The $20 option as noted earlier is when you add the 200 text's a month option. So if you want unlimited mediamax and 200 text's a month it would be $20 a month. Hope my comments help a little considering I am waiting for my new
N95.