kly need cheap /reasonable camera Lumix TZ20 or FZ38?

[magpies]

due to loosing my camera and waiting for insurance I could do with a cheap (read pre-owned) camera

looking at either Lumix TZ20 or FZ38

they are close as far as spec is concerned (in fact the smaller T has 1080 as opposed to the F having 'only' 720)

in the real world of point and shoot is there any nead to go with the larger FZ38? or is it that much better = picture quality

[Ultuous]

I have an FZ38... I like it for travelling with, but in some ways it's the 'worst of both worlds' between the 'large footprint' of an SLR and the image quality of a compact.

The big advantage does have over a normal compact is the EVF, which is pretty quick to respond - if you're happy just framing shots on a screen, I'd go with the TZ20!

[9.3]

Image quality very similar IMO, but one fits in your shirt pocket, the other hangs around your shoulder on a strap. Your choice of convenience really.