N95 scratched lens cover
The lens cover does get scratched. Fortunately the replacement is inexpensive. http://www.blueunplugged.com/p.aspx?p=121846
Unfortunately, this replacement is not for the n95-3. :(
I assume that the outer lens housing is fixed to the phone in the same manner as the N95-1 housing is, i.e. it's only held in place by a double-sided adhesive gasket. Examining the replacement, you'll be able to ascertain this.
If this is the case, then heat that that part of the phone very gently with a hairdryer before attempting to pry the old housing off...