Read this thread:
everyone I have talked to that seems to know about cameras just buys the FZ20 for now until digital camera's surpass the quality of 35mm. It isn't a super expensive camera. I think digitals will catch up in a few years, but until then I'm just gonna get an FZ20 and wait on the technology.
plus if someone steals it, which seems to happen to me on everything also.... truck, laptop, welding machine, someone even stole all my clothes when I was moving. 600 bucks is better than having 6000 stollen.. just my .02