After reading lots of very helpful real world reviews on this forum, Serious Compacts, and elsewhere on the web, I decided to purchase a second hand X-10 instead of shelling out almost $300 more for the X-20. Thanks to many folks on this forum who provided great suggestions on settings in their posts on SC. I have found the optical finder bright, and am not really bothered by a lack of info (yet), though I am still getting used to getting only 85% coverage (but it's more of a bother on the longer end of the zoom). That said, it's always easy to shift to the LCD for times when I want better composition. I will test drive the OVF on my next street shooting foray. A few early shots from today; color SOOC using Aperture priority but M resolution to capitalize on EXR sensor; BW shot as RAW and processed in camera (Macbook Pro died last weekend so no access to LR4 for now).