OK Thanks Guys (and frustrated Ansel Adams/Pelicanheads),
I really didn't need to see the zits on that tattoo!
So all those bigger 3+Megapixel cameras are not on my list to consider even though there is a place for them for those needing to do advanced photography and special effects.
I appreciate the first few leads for shopping online and comparing several ($200 or less) candidates. I went to some stores to see and handle (test drive) those in the metal/plastic and have decided to order a Canon A20 for $200.
This should do for my needs which are simple.
Cheers for the Holidays