I love the XS32. I hate the company that made it and some of the bonehead things they've done in the last 6 months or so.
I'm not familiar enough with the E95 to make that call. I will say I have an E80 and hate the way it works compared to the XS32. I do probably 90% of my recording on the XS32, saving the E80 for timeshifting, and/or projects that I may send to people who I am concerned about the black level bug hitting me. But for most of my personal stuff I use the XS32 as I feel it provides much better overall quality (both of the video and of the finished product).
I got a call last night from Panasonic wanting me to extend my E80's warranty 2 more years (since I got it a year ago Saturday) for $150. I had to laugh; if the E80 went out I'd definitely be looking for a brand new one (model, not E80!). At this time I'm really interested in the Panasonic EH50 (or whatever the new model is) but I would definitely want to be sure the whole editing/playlist situation is better than the E80.
(I should add I think the E85 is much closer to the XS32 in editing than the E80; so I assume the E95 is as well.) I'm talking things like making playlists based on original shows to dub, so you don't have to use 'shorten segment' to edit commercials (but still do a high-speed, non-reencoding dub!), the 10 second 'instant replay' button, the configurable fast-skip button, getting a time bar up on the screen so you can see where you are, etc. This all makes editing on the XS32 painless, compared to the E80.
I know computers can do much better editing in general but for the way I use DVD recorders (usually making quick archives of TV shows and occasionally special occasion type stuff) I've never found a smoother workflow for me than just using the XS32 for everything. (I can't find a program that just always works-- I'd go nuts testing everything I do for audio sync, or proper encoding, etc.. stuff I seem to have a lot of trouble with. I probably just haven't spent enough time mastering it but at this point I feel like what's the point? the XS32 does everything I want.)
I would never buy a DVD recorder that doesn't write to DVD-RW. Period. For me, the only way to guarantee burn quality is to rip the finished disc and re-burn using my PC's DVD burner. NONE of the standalones update firmware nearly enough and it gets hard to find good media. The XS32 DESPERATELY needs a firmware update as (IMHO) its burner is horrible. (I've done the scans on my Plextor, it's ugly, folks). But since I can burn to DVD-RW, it's fairly irrelevant as long as the burn is readable one time...
So, it's a tough call. I'm not in the situation, thankfully, or else I'd go crazy trying to figure out what to do. Panasonic makes nice all around units but without some of the flash of the other models. I really think the XS32 produces a better product than the E80 does. Now, how the E95 compares, I don't know. So, no, the Canadian firmware doesn't help in the decision.
Hopefully this way-too-long-diatribe helped!