Just taken delivery of the HX20 for my wife yesterday after reading reviews until I was .................. Well I sure was!
There is no doubt it has a lot of features but my wife wants it for only taking snaps on fully auto settings. Close ups of flowers, landscapes & she is not sure what else for the moment.
Her initial reaction was she liked the feel of the camera in her hands, liked the grip which seems better than most compact grips and feels the shots are very good colourful and sharp. She now wants a case, spare battery, battery charger (in camera charging :thumbsdown::thumbsdown::thumbsdown

But the fact she wants the bits you need is indication she wants to keep it.
My reaction is good grip for a small camera, but no VF and I couldn't see the screen yesterday as it was very sunny and I had reaction glasses which meant I couldn't see much to be fair as they are useless.
I have studied the manual and am not a big one for the gimmicks, toy camera, pinhole effect type of things so by passed them and chose to shoot my test shots in fully auto and the one below that. The flower shots seem quite good but I found it hard to get landscape shots without pixel peeing (and I don't think I am a pixel peeper

) Not sure if I would be better trying at 10 mp instead of the full 18 mp but couldn't help enlarging them to 100% and seeing the funny effect which some reviews have dubbed the 'watercolour' effect. However the same reviewers have said the camera is aimed at those who will only look at on PC screen and get small prints so shouldn't be a problem.
BUT is it is niggling me or is it not - oh b****r it is but I really am not sure what camera would have been better. I looked at the TZ30 and the reviews were so close to the HX20 that it became 'how did it feel in the hand and my wife preferred he HX20. I would of gone for the TZ30 purely because I had a TZ8 and felt that was a good camera for me at the time.
So I wish you well - have you chosen - is there any others that could be 'in the frame' and in my case keep it or send it back. Amazon will ban me as I have sent a few things back this year but only one other camera.