In the first place I think a deal depends on the imaging programs you currently have. From an earlier post it appears you are using Paint Shop Pro 7 ( 8 bit only ) and no doubt the software that came with the camera. A look on DPR suggests that comprises FinePix Viewer & Raw File Converter LE. From that review it appears that the Raw Converter is just that, and offers no control just conversion to 8 bit Tiffs. For some odd reason it appears to convert these to 4864 x 3468 pixel, 17 megapixel TIFFs, each of which is around 50MB.
I have checked Fuji website but cannot find info on the software but I have downloaded the manual for future reference.
Given the lack of control of RAW images you might as well use Jpeg fine ( file size around 4,570KB ) and do a bit of testing at ISO 100, 200 & 400. A bit like getting to know the difference between different films, but a lot quicker and cheaper.
I have absolutely no experience of noise reduction programs so cannot really comment other than to say there was a period in the gallery of members posting and it was effective. Due to the pixel count and sensor size of the 9500 this would probably be quite a desireable program to have for ISO 200 and above.
Mainly use M/F lenses on a top flight A/F camera, almost always use a monopod or a 16lb tripod, never use NR progs, mmmmmmm, guess that may put me in the top 10 of WPF crazies.
Don