Strengths:
1. 4x optical zoom. Most digicams in this price range only have 3x, and most lower-priced cameras only have a 2x or no zoom at all.
2. Pop-up flash. Many owners of the Coolpix 990 and 950 have significant red-eye trouble. Popping up the flash on the 995 gets it far enough away from the lens to eliminate most red-eye troubles.
3. High resolution. 3.3 megapixels in a quality camera like this is more than enough for most serious amateurs. The only time this will become a limitation is if you want to make obscenely large prints (probably 16" x 20" or larger, and even then I don't think it would be a significant degradation) or if you want to crop significantly and make an 8" x 10" or something in that range. I have been very pleased with my results, even in...
4. Auto mode. The 995 has a steep learning curve if you want to really take advantage of its full feature set. But its auto mode is intuitive enough that you can take the camera out of the box and start taking quality shots immediately. The auto mode is no more complicated than any point-and-shoot camera. Excellent feature.
Weaknesses:
1. 16 mb CompactFlash card. This one is really a joke. Nikon should have included at least a 32mb card and probably a 128. I strongly suggest purchasing a larger CF card immediately. Most CF cards have fallen to the 50 cents per meg range now (January 2002), so you should be able to get a good name-brand 128mb CF card for $60 or so. Do it. Now.
2. Digital zoom. Worthless. The pixellization is horrendous, and unless you have a huge amount of light the lens speed is such that you really need a tripod to avoid camera shake.
3. Lens speed. With no zoom the aperture is f/2.6. The further you zoom, the worse it gets. If you don't have a tripod, I strongly suggest one (the 995's mount is sturdy and well-made, by the way).
4. No case included. Again, something you definitely need. I've had very good luck with LowePro, and they're reasonably priced.
5. Complicated menu system. To take advantage of all the features of this excellent camera, you really need to spend significant time reading the manual and exploring the extensive menu system. Not for the faint of heart.
I've given 4 out of 5 stars, with one star removed due to the above weaknesses. But this is a fantastic camera. I've had mine for only about three weeks and I've already taken more than 300 shots, many of them excellent. I highly recommend it.
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