Whew - lot of Q's lot of A's.
For 2K you can have a fantastic system that would seem to be over your ability.
Nothing personal there, but you mentioned what you were looking for and the high end cams would be overkill for your goals.
That said - for 2K - the Nikon D7000 and the 18-200VR lens, nothing better on the market right now for under 10K. The excellent 18-200 is a bit heavy and $$$ but a really good all-around lens.
But for a pocket cam the Canon IS95 is great (<400)
Canons pocket cams are really nice little digitals. We are using one that Deb found last year coming back from Hatteras. The pictures dated in the camera were almost 2 weeks old – so it sat that long outside.
We used it for almost 2 months off and on before the battery went dead. Ordered a battery and charger off ebay for $15 delivered.
Micro drives are no longer practical – solid state all the way (SD – CF cards etc)
Batteries – if you limit yourself to standard batteries, e.g. AA or AAA you will have very limited choices.
Just get a second “factory” battery.
Nikon digitals – most can use every lens Nikon has ever made (although not all the features will work on older lenses)
Canon changed their mount years ago forcing photogs to change lens systems. After all – it is more about the lens then the camera. And neither take great pictures – photographers do.
Ken Rockwell's site is a wealth of information along with the above mentioned DPReview. Rockwell goes more into the photography end.
He tends to get hung up on good old fashioned film but still offers great info.
http://www.kenrockwell.com/
Check Ken’s site for samples of pics with the Canon IS95
Pixels-schmixels.
A 16MB pixel cam will not necessarily take better pics then an 8MB cam. There is a ton of stuff going on inside a digital camera and it is not just pixel size.
You also want the ability to take video?
That will change your choice. But – you either get a digital camera that takes video or a video camera that takes stills. They both do one thing good and one thing maybe OK.
The Sony digital cams are also a nice choice.
As for buying, I have had good luck with Amazon. We had problems with a camera I got for Deb. First was defective, exchanged no problem. Replacement turned out to just not work to our liking, also returned with no issues.
Costco is another great choice if they have what you seek.
If you get anything more than a simple point and shoot, learn how to use it then start “learning” how to use it.
BTW – did you know that Canon and Nikon are not really camera companies?
They are lens companies that just happen to make cameras!