Save your money and buy a Digital SLR.
Come on now, you know as well as I do that unless you are really a Photo enthusiast an SLR is overkill... Nice, But unwieldy, and in most cases unnecessarily bulky and clumsy.
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Tool, I've been using one form of digicam or another for over ten years and for the last 5 or so as part of my job.
here's a few things I'll offer up and you can make of them what you will.
1. This is probably the most important. Buy a Camera BUILT by a camera Company, Almost all the electronics inside a digicam are sourced from the same few companies. So that being the case what makes one better than the others? It's all about the Lenses, the construction quality, and the companies experience with cameras.
2. What do you want top be able to do with your camera? Point and shoot mostly, or lots of manual inputs to get the right shot? Do you want it to fit in a pocket, or is a case OK? You mention long zoom, and I get that, but what about wide angle, 28mm or so to catch that group shot in it's entirety?
3. Don't get hung up on megapixels, unless you are making posters, megapixels are little more than marketing hype and excessive noise. 5-8 Megapixels will suffice 99% of the time unless you are going for bigger than 11X17 enlargements.
From what you said Tool I have one recommendation, and a few alternatives if you can give up the big zoom.
The Canon S5 IS is a blast, lots of features big zoom, Canon quality, and a good solid value and it uses an industry standard memory format, not a Sony creation.
If you can live without the big zoom I am a fan of the Canon Elph series of Cameras. I was looking at the SD950 IS just the other day and it's awesome, it's what I'd buy if I was going to get another Elph, Making it my 5th Elph btw. They are solid, compact, simple, and take great pictures.
The SD870 has a good wide angle lens and is what I would recommend.
So far this year I've Had or have a Canon Rebel XTI, 2-Leica D-lux3s, a Canon SD1000, and just Monday I was shopping either the SD950 IS or the Canon G9. I'm getting the Canon G9 despite it's size cause I like having so much control over my shots when I want it. The Titanium bodied SD950 IS is pretty awesome as well.
I'm a Nikon and a Canon fan mostly this is true, but I am not a die hard bang my fist on the table fanboy. I just highly recommend getting a camera that is made by a Camera Company first and foremost, the glass and construction of a digital camera makes all the difference given that for the most part the electronics are all the same.
My recommendation, and you can get it here,
17th Street Photo I've purchased 3 cameras from 17th Street Photo and have allways been pleased.