ive got the n95 original edition and yeah the supplied nokia maps requires active connection to download maps on the go but with aftermarket programs such as Garmin Mobile you can have preloaded maps just as you would on a handheld gps.
Also, if you turn the assisted gps off, you dont need to use any data, only have to wait 1 extra minute for gps lock on. I use it everyday and its great has the same software as standalone gps with autorouting and voice directions. I think the new iphone will end up having the same sort of arrangement as tomtom has already made a program for it. good for those on prepay like me...
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