Ahead of the rumored June released, Nokia has let loose that big firmware update for the
Nokia N95-3, aka N95 NAM, otherwise known as the US N95. Version 20.2.011 brings full N-Gage support, FlashLite 3, faster camera, faster boot times and demand paging among other goodies. It does not include the new Maps 2.0 for some reason, so you'll need to install that separately.
Run Nokia Software Updater on your PC to get the new firmware and install it on your Nokia. Ours took about 10 minutes total to compete.