Well I finally decided to go with the Fuji. Picked it up today, and actually got a pretty good deal. Listed price at Visions was $550, got them to pricematch to $470, and had some warrenty that expired, so got another $80 of the price, so $390! Picked up a 128mb XD chip for it as well, as the 16 that comes with it, doesn't really cut it.
So far, its a GREAT camera. I'm still learning all the functions. Found a forum dedicated to the camera as well.
My next purchase has to be a case for this camera. I don't however want to go with those soft cases. I actually just dropped by my friends house eariler on this week, and he just bought a Pelican case for his XL1S. Has anyone seen these cases? Very cool. They make small ones as well, so I was thinking about getting one of them.
You just pop out the foam pieces you don't need to fit your camera.