I was with you until I read "Want to bring it out a night".
The Fujifilm F70/72EXR will perform better in low light than the Panasonic ZS3.
Something else to think about:
The Panasonic ZR1 is the same camera as the ZS3 except it is only 8X optical zoom and it is smaller than the ZS3. Both have HD video.
A comparison:
http://www.dpreview.com/reviews/compare_post.asp?method=sidebyside&cameras=fujifilm_f70exr%2Cpanasonic_dmczs3%2Cpanasonic_dmczr1&show=all
..
I am debating on which camera to buy. I want a camera that takes excellent photos, but can still fit in my pocket. The Panasonic seems to have better reviews, HD Video, however is a little bulky. The Fujifilm is much slimmer, but does not have HD Video. Want to bring it out at night and throw in the pocket, but want excellent pictures for Europe. Any suggestions?

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