The program I use the most on my 95LX is the HP calculator. I'm a long time HP calculator user, and I have configured my calculator to RPN (reverse Polish notation). This method of entering numbers works best for me. I prefer to key a number and then decide what I want to do with it. If you have never used an RPN calculator, I recommend experimenting with the RPN option. It can really speed up some calculations.
To switch between algebraic and RPN options in HP CALC press <MENU> Options Alg/RPN. (Appendix D of the HP 95LX User's Guide explains RPN. Understanding how a "stack" works helps get the most from RPN. A detailed explanation of the stack begins on page D-6. To view the stack in operation in HP CALC press <MENU> Math.)