I'm interested in either the Fuji S4000 or HS20. I'm wondering if the HS20 is worth the extra money? It's also a bit bigger and heavier, which is a little bit of a drawback for me. Does anyone have experience with these two? How do they compare, especially taking inside pix. I have a Kodak Z980, and it doesn't take really great indoor/low light pix. The new cameras also have the zoom control on the shutter button, which is wonderful!! Thanks for any help you can give!