Holiday joys continue right on as '95 begins. This year promises to be even better to the auto industry than 1994. Analysts forecast '95 sales between 15.5 million and 16.5 million vehicles, with 16 million the most likely scenario. That's compared with about 15.3 million car-and-truck sales in 1994. Even though some insiders, including Chrysler Corp. Chairman Robert J. Eaton, expect the fed to raise interest rates another 3/4 of a percent, they