Jill, as to #6, as a Lumix owner, be aware that while the lens id fabulous, unless you go with either the FZ8 or the FZ18, you might have some disappointment with low light shots. Why? Because a lot of the others in that line have a very aggressive noise reduction, and in low light, the camera tends to go to higher ISOs which will cause artifacts. The reason I mentioned the FZ8 and 18 is because I KNOW both of those cameras can record in RAW format vs. JPEG, which negates this problem for the most part. The disadvantage to RAW is that it's a little slower to write and takes up more space. But a $100 8GB memory card can hold almost 500 pics in RAW, so size is relative these days... :) The other disadvantage to the FZ line is that they're relatively large. Somewhere between one of the tiny flat digicams and a full SLR. Go hold one, and see if it fits your needs.
That being said, I'm VERY happy with my Lumix FZ8, and got it for what I consider to be a steal. ($250) They're even lower now (~$230) online. And the pictures I've been able to get out of this camera are some of the nicest I've ever taken. While they aren't on par with some of the people around this forum, they ARE ooohed over by friends and family... So much that I've been asked to be the photographer in my Nephew's wedding. (blush)
So overall, I LOVE my new camera, and just wanted to expand on Captain Tom's suggestion. There are some smaller Lumix Cameras that might fit your needs better, like the TZ3... It's a lot like the FZs but in a smaller package. A LOT of people like that one...
Here's a few reviews that might make things a little more helpful
http://www.dpreview.com/reviews/spec...nic_dmctz3.asp
TZ3 (About $300)
http://www.dpreview.com/reviews/spec...ic_dmcfz18.asp
FZ18 (Surprisingly, as low as $341)
http://www.dpreview.com/reviews/spec...nic_dmcfz8.asp
FZ8 (Older Brother to the FZ18, but a nice price at $236)
If you DO consider the Panasonic line, I hope this helps!