Just had a look and the phone only uses GPRS for traffic (if activated) but that only costs a capped rate of £1.00 a day unless your on web and walk!
But other than that the thing is a complete standalone Sat Nav... Which is Nice!!
I downloaded the cameras from co-pilot site and have already downloaded POI's to the mem card, so everything is on the card (this is as far as i know)
I rode 80 miles this morning with the thing on and GPRS disabled works fantastic and clear

The only thing i didnt like about the N95 was the battery life and thats why i chose the MDA!!