Sky and Frny-
The S-90 does not produce really good images in the Auto Mode. However, it will do quite well when used in "P" or Programed Auto. My experience with the EX-1/TL500 is much shorter. I have used the EX-1 mostly in the "P" Mode. As a test i did a couple of shots in Full Auto, and the look very descent. I have no experience with the LX3. I have an LX2 and it is a very demanding camera that needs exactly the correct WB and a good deal of adjusting.
In contrast, the F-10 does very well in full automatic, and as I mentioned previously, it will spot focus. All you have to do is to set it up in the menu.