I would pick the SD20, it is an upgrade to the SD10 and added a couple of good improvements. And it is 5 megapixel which will be handy in case you want to crop a section of a photos and then enlarge it.

This camera has not been a big seller due to its price.

But, it costs more to make a tiny camera than a larger camera.

The camera has gotten good reviews and takes great photos.

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With SLR cameras, yes the native (non zoom) lens are favored by the pros.

But you end up looking like this:

http://img.photobucket.com/albums/v159/randol9p9/PreparedE.jpg

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