Well, I have been using a Nokia N95 since it appeared in the mobile market. In my opinion I think it is a brilliant mobile phone in regards to its features and performance.
Coming to the Nokia N81 8GB, this mobile phone is also up to the N-Series standards which Nokia is known for.
Besides, the major drawback towards this phone has been created by the 2MP camera which has been placed in this mobile phone, I think the mobile phone has all it needs to be called an excellent phone because it consists of all the things you need in a mobile phone.
It includes; WiFi Support (WLAN), 8GB of internal memory, brilliant display, touch sensitive navi wheel and a good battery life of around 400hrs standby time.
The normal edition Nokia N81 is basically the same thing as well because it has all the features and you could insert a 8GB MicroSD card in there too.
I'll recommend you to get yourself a Nokia N81 8GB because it is worth the price you have stated, or else you could wait for the Nokia N96 to release internationally in a few months (3rd Q-2008) which would cause the Nokia N95's price to decrease significantly or even go after the Nokia N96 but taking note the value of the mobile phone would be on top of the mountain.
Another phone you could consider is the Nokia N95 8GB edition which is also a nice and brilliant phone.
At the moment, if your after a mobile phone, Nokia N81 8GB would be the right choice, go for it .