Most of your questions are the topics of ongoing debates in the Photography Group.
http://www.democraticunderground.com/discuss/duboard.php?az=show_topics&forum=2801-1/2 years ago, I bought an Olympus C-750 4.0 MP based on it's 10X Optical Zoom. This was my entry into the "Digital Era". I have been well pleased with the performance and features of this camera. It has been reliable and sturdy having survived two
heart stopping falls, a Minnesota Winter, and many long Summer miles strapped to the handlebars of my bicycle.
Pictures from this particular camera have made the finals in all of the Photography Group's Photo Contests this year.
http://www.olympusamerica.com/cpg_section/product.asp?product=1189&fl=4It is a good "entry level" camera (Olympus C-series) that allows the user to control and experiment with most of the camera functions, or operate in full automatic mode. I paid less than $400, and spent the 1-1/2 years learning to use it, and expanding my understanding of the Art of Photography. I am "stepping up" to a more sophisticated (and expensive) digital SLR in the near future (Canon 20D). There ARE some things that my Oly won't do.
My personal suggestions for Digital cameras:*USB is the "way to go", and most (all?) new digital cameras offer this method for download. I "plug in" to my USB cable, and the camera "appears" in Explorer as just another drive. I can copy the pics I want straight from the camera and put them in whatever folder I choose. I usually "Cut & Paste" everything from the Camera to a "dump file". That erases everything in the camera memory so that it is ready for more work, and saves everything to my HardDrive for later editing.
*My Olympus is powered by 4-AA Batteries. I bought a AA Battery Recharger and extra rechargeable batteries. I strongly recommend buying a camera that is powered by AA batteries which are available almost everywhere, but I may be giving up that in my new camera. It is nice to be able to pop into a convenience store for a few AA's instead of being dependent on rare battery that only fits a few cameras.
*Get the BIGGEST memory card available.
*Optical Zoom rocks, digital zoom is a scam.
*Shop Online
*Taking pictures "RAW" is the latest thing (NO, not naked photography....that's been around for a while.) RAW refers to an "in camera" file storage option. Basically, it stores the data from the "digital film" in a raw format which when downloaded to a computer Graphics Program (Adobe or Corel) allows a greater degree (or more accurate degree) of digital processing. I am not sure which cameras are now offering this option, but if you are interested in anything beyond just taking "snapshots", you should insist on having a camera that offers this option.
*Join the Photography Forum. I have learned MORE about Photography there in 6 months than the last 40 year. The "Photography Challenges" have motivated (challenged) me to
go out and take good pictures, and to experiment in ways that would not have occurred to me otherwise. The Forum is populated by some
serious photographers who are willing to share their experience with newbies like me.
Have Fun!