http://www.gsmarena.com/nokia-phones-1.php

Compare them.

N82 has a better camera
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Hmm... I was in the same boat as you but seeing how I needed the 5MP camera more, the N82 easily takes the cake. And I think we'll be getting the navi-wheel in the future firmware updates anyway.

Wouldn't mind that FM transmitter feature though.
It all comes down to what are you really looking for in a phone?
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I've had a play with the N78 and it is a nice phone but i think i would go for the N82.
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It works well on the N78,and it does look very similar to the D pad on the N82 except for the colour.
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i doubt i'd use the FM transmitter anywhere at all. the only reason i would need one is for the car and that's for my ipod, but otherwise most cars come fitted with bluetooth or AUX inputs anyway. so FM transmitters are becoming a thing of the past.
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Thanks for the responses, i think im gonna go for the N82, the FM transmitter was the main reason i was considering the n78