I think your right Bicks, its all about what you are going to want the camera to do. As an untrained amateur photographer I made the choice of the Fuji S9500 because it had more than enough features for my standard of photography, with a great zoom, and spectacular picture quality, but with the fixed lens I didn't have to worry about lens choice and extra costs. Now I am extremely happy with the capabilities of my camera. ATM it still amazes me 9 months on, and I am still learning how to use it, but there may be a time when I will find it limiting and desire a more versatile camera. We will see, if I was going to upgrade I would go for Canon though, I had a little 2MP Canon, and it was great, and had some nice features for an early digital camera.