I've had a W995 for ~6months now, and upgreded from it predecessor the W910i because it's good at what it does, playing music (Great battery life) Internet browsing if you get Opera browser[/url] Email and genral being an actual phone not a PDA/Laptop.
The camera is 8.1mp but it really isn't the quality of a proper digital camera, but if it's only for 'out on the ride shots' it's good enough.
There is then an inbuilt app that'll let you upload your photos (individually) to Facebook or a blog via MMS. At £0.35 a MMS message you might give that a miss and opt to use the easy to set up inbuilt Email for such things.
As of the 'Get rid of the TomTom GPS' It's A-GPS, meaning that Google maps route planner is good but requires a good internet connection to download the maps and doesn't speak the directions like the Nav Software.
Mine did come with Navigation software in the location services menu, it ain't great but will get you there.
Thanks Ambrose for the heads up about Endomono.