I have an n95 on t-mobile. If I paid t-mobile to get the unlock code and unlock it, and then install the latest firmware from nokia service centre directly (not by changing product code & using NSU) then will my phone be locked to t-mobile again?
unlocking the phone will only let you to use diffrent sim card. and i think i've read somewhere on this forum that t-mobile have released update for n95 so try to run update.
And, firmware updating will have no impact on the SIM lock state. If the phone is SIM locked, the update (regardless of which firmware variant is used) will not unlock it. If it is unlocked, in a similar way, a firmware update will not lock it.
Updating the firmware after unlocking wont get your Nokia N95 locked again to previous network. So you can definitely go on for unlocking and updating. you can get the unlock code from T-mobile network itself. but it may take some time. If you need to unlock your mobile immediately, you can get the unlock code from any private source like www.simpleunlocking.com/nokia-n95/rs16wp9/ at low cost with easy unlocking instructions.