Bjørn Rørslett also says: "the 95% figure is NOT a planar measure as it should be, but linear. Hence actual frame coverage is 90%. This figure will vary slightly with the actual lens used..."
His post under the user name nfotohere & an other comment about the viewfinder coverage here: "you'll adjust quickly to the camera's way of "seeing". And there is always LiveView for the cases in which exact framing is required".
Obviously Nikon's priority with the D700 was to make it smaller & cheaper than the D3 & add sensor cleaning so what is the problem with the 95% thing in the mix?
The on board flash is in line with the lightweight priority: D3 + flash vs. D700.