mar_lodge,

I agree with DickM. I have a Pentax Optio 43 WR (4 mega pixels). It is nice to know that if you accidently drop or immerse your camera no big deal. I haven't wet my camera so far but it has been used in a drizzle and been splashed by fish.
It takes great photos but as has been mentioned the digital screen is almost useless while you are wearing polaroid glasses (Mine has a view finder and a digital screen). The lens when the camera is not in use has no cover and this may be a problem from a water spot being on the lens.

I know I haven't answered your question, just mentioning things that you may want to consider before buying a digital camera.
xfc