I use the internet on my N95 all the time. Mainly via wifi points as I'm tight! lol!
I've won ebay auctions and chatted to friends using skype over wifi from various parts of the planet. Taken some cracking pictures and uploaded them onto facebook to annoy friends who weren't on holiday :-)
I have a couple of microSD cards in my wallet, one for my music and the other for storing pictures and video.
Total cost of all these features... £0, phone was a free upgrade. OperaMini free, Fring free.
The main reason I went with OperaMini is it allows me to turn off images on a website which keeps the data bill down if I happen to browse via my carrier instead of wifi.