Surely the Fuji!!!
Have to agree with above - I've had the Fuji FinePix 50i for about 4 months.
Although it cost 450 notes at the time in Dixons they did bung me a 64MB SmartMedia free!
I can heartily recommend it (definitely the sexiest camera out there) and the pictures are great. It's got a little cradle that you sit it in for uploading and charging.
Also great talking point when you take it out and about..... "oooh that's a nice camera"!
Optical zoom - not really bothered about it! The digital zoom does it for me.
Good luck with your purchase!
GE