...BT keyboards, which cost an premium (easily $40 if they should not be total rubbish) and then almost all of them do not even provide HID and SPP profiles. I easily pay $100 or more for a good mechanical (i.e. with Cherry MX or ALPS switches) PC keyboard, but not $40 to $60 for such plastic crap. So, that crap has to be better included..
Correct me if I'm wrong, but the screenshots I've seen look like the N9 VKB does not provide a 4th row, and you have to use a mode switch to enter digits. That alone would make this and any other VKB crap. Guess you have passwords with digits (how unusual, eh?)... that's why I find the VKB of my TouchPad quite ok (it's slow as molasses for me nonetheless to type "virtual"), it gives me a separate digits row. It even has CTRL and ESC simulations if you know how-to. If I succeed some day altering the layout to include cursor keys (seriously, it's friggin' pain using text fields without shift/ctrl/arrow/tab combinations, for cursor positioning), I would be even considering myself happy somehow.
So much for N950 vs. N9...