I pulled the trigger on the S100. Thanks for all your help guys, you really influenced my decision greatly.

I'm not an avid photographer, but need to be able to take decent but not necessarily stunning photos for fundraising and reporting purposes. Other than that, it will mostly be used to take pics of the kids and travels. For what we'll use it for, this seems like the best compromise of price and features.

Although it doesn't meet my sturdy requirement above as well as some of the other options, I saved enough to buy the spill/drop/defect warranty. SWMBO has used both methods to destroy our electronics in the past, so it seemed wise.