Sam, you are a card!
My experience with digitals began with a "state of the art", very complex Olympus that my hubby bought for me for Christmas years ago. It had bells and whistles that were complicated and the camera frustrated me so much, it sat unused for almost a year. By the time I really started using it it was fairly obsolete!. It took wonderful photos
BUT it was slow to "read to to the disk", meaning the recovery time between shots was VERY slow. Also, I sometimes ended up with no people or animals in my photo because they had left the frame before the shutter clicked. Very frustrating! It was also bulky.
So, last year I researched smaller digitals that would be faster in operation. A friend had a tiny Canon, but I didn't want to use a special battery. My criteria were: fast shutter, fast to write to disk, double A batteries I could recharge or replace anywhere in the world, large LCD screen for my old eyes and
very specifically I knew I needed an View Finder Window. I take a lot of outdoor shots in sunlight and my experience has been you have a harder time focusing your shot by looking through the digital display (they fade out in high light).
I visited lots of camera review web sites and talked to anyone I met about what they loved about their digital. I visited stores and soaked up information and handled lots of cameras. I finally ended up with a Sony Cyber-shot DSC W/1(which is now obsolete) I understand view finders are almost extinct now, but that would be a deal breaker for me unless technology has solved the digital screen fade in high light.
Do you want to have a lot of control over your settings or do you just want to "point and shoot". Do you want a zoom? Is camera size a factor for you, ie do you want to be able to slip it into a shirt pocket? Do you want to shoot more photos outside or inside. Different cameras will excel at different things. Do you like complicated "techie" toys or do you want to just load a memory card and start taking photos without reading directions.
I recommend doing what the web sites will tell you - get your hands on the cameras and see how they feel. Operate some of the features. Some features you might want to use frequently may be buried deep in menus and make the camera a frustration. You can handle lots of camera at Sams and Costco or you can go bother the camera stores (even though you intend to buy online which maybe isn't a very nice thing to do, but that's your call.)
Aren't you tired of all these questions now? Doesn't your head hurt?!!