(I'm replying to my own post because I don't know how or if I can edit a previous post)
My budget (below $375 including necessary accessories) constrains me to the low or older model-end of the extended zoom camera spectrum.
Finally, it has come down to the s1 Is and the Lumix FZ 3 both of which have their good and bad points. (The s1 IS for instance lacks AF-assist, while the Fz 3 lacks manual focus. Which, in low-light conditions would be best to have? Manual focus or AF-assist)
Another snagging point about the S1 IS is its reported lower image quality. Is it that bad? Is the FZ 3 much better?
I really need the help
thanks
which is the better buy overall?

Chowhound
Comic Vine
GameFAQs
GameSpot
Giant Bomb
TechRepublic