Both of the refurbished cameras you mentioned would be fine.
The price seems OK.

As far as the fancy options ... not a problem.
Just leave the camera set on "Auto" and fire away.

My notes show that the shutter lag on the Canon SX100 is 0.6 second,
and 0.2 second on the Sony H10.

For the fastest performance on both, you just frame your shot, press the shutter button half way down and when the action is just right, press the shutter button the rest of the way down.
This will give you a shutter lag of only 0.1 second on either camera.

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