We have the D95 for about 18 months now. We have the internal RIP as well. It is self contained and cannot be viewed from Command Workstation, only from the Xerox display. I hate it, but the Fiery add on is way out of line on price.
The RIP is clunky, non-intuitive and limits many features that you'd think are basic functions. For example, you cannot print a ripped file to Letter-R paper. You would have to print that direct to the machine. You also cannot setup job finishing while printing from the desktop ie, paper tray, front to back, finishing etc. You can only send the pages and have to setup finishing at the machine at print time. With a Fiery, you can setup a complete job and just print it when ready.
There is no variable data built in at all, like Fiery FreeForm. There is a lot of RIP time involved now that I have to mailmerge with artwork on the desktop then print those files to the machine.
The machine itself is a workhorse. No complaints...
Gary