The thing about Windows 10 on the phone is
That it is less beautiful than the Windows Phone 8 UI, IMO.
I put it on my 1020 last week because I wanted to factory reset anyway in preparation for the inevitable upgrade. I will probably get a 950 soon and wanted to be sure I liked the UI etc. After I factory reset the 1020, I noted that the Voice Nav app Here Drive was no longer available. That made it a requirement to upgrade to 10.
And Skype was not playing well, less well than usual that is.
The thing is, the upgrade went well, no issues, almost everything was as it was.
A shedload of apps updated to their Win10 versions as well as the obvious MS ones.
So. The Sat Nav on 10 is HERE based, same nav voice even but it is integrated with the maps, also HERE based.
Everything looks slightly different, the hamburger menus, horrible system that it is, is used much less than, for instance, on Android or iOS because there are still the original style menus at the botton of the screen, they look different but operate in the same way.
The MS camera now looks just like the amazing Lumia Camera, which is also still available.
The Photos app usefully hides the 1020 Hi-res duplicates and OneDrive duplicates while showing everything together, nicely done.
The email editing etc. now has all the editing features that are available on the desktop version, total overkill but free except for the storage space the code uses.
Other nice additions include ability to speak words in any of the system text fields and have them rendered, with punctuation. This works really quite well and one can bang off a text faster than even the swipe keyboard can manage, you don't have to talk slowly at all.
The little dot added to the keyboard seems pointless but has one very useful feature - you can move the cursor one character easily and reliably, better that tapping the screen. For this purpose it is great, don't use it to move more, maybe two, but not in general.
And Cortana will now let you write emails, which, again, can be useful, even allowing a quick email while driving etc.
I have been trying to watch for battery issues but I have been used to topping up wirelessly as a matter of course so rarely get to see the battery drain anyway. My view is that it is similar to before.
All in all, impressive stuff and for 400 quid for a 950, buying a 600 quid iPhone seems stupid beyond belief to me.
It is just hard to consider losing the 1020 despite the things I have heard about the 950's camera.
Plus, 400 quid.