For those who want a safety buffer, a 95% viewfinder is a blessing.

For those who want precise framing, a 95% viewfinder is a curse.

For me, it depends on what I am shooting.

Some of my cameras have a 100% viewfinder; some have less than 100%; and some have more than 100%.

For architectural work, macro work, copy stand work, and shooting slides, I prefer the 100% viewfinder for critical framing.

When I have neither the time nor the opportunity for postproduction cropping to remove something undesirable from the edges of the image, I prefer a 100% viewfinder.

For street candids, I prefer viewfinders with more than 100% so that I can see the action that is happening outside of the frame.

For most other work, it makes little difference.

Yes, I would have preferred a 100% viewfinder in the D700; however, its absence is not a critical issue.