Welcome to joining this group and that your findings brings you to ask where to get the best deal.
I am sure there are others out there but my choice was to go with Circuit City. I told them when I went in about the price they advertise on the Web which is $527.99 at the time and it was matched as they sell it for $599.99 in the store. I asked if I could open the box before buying since they do have a restocking fee if you change your mind of 15%. It has been reported that they have sold items as new that were returned. I am happy with my purchase and enjoy the camera. I do have other models that precede this one and am happy with them as well.
I am sure there are others that can share with you what they found in purchasing their FZ20.