FZ20 all the way. the best value for money. 12X, 2 image stabilization modes, 5MP, about $500, great macro capabilities, manual focus, sharp pictures and a whole horde of other options.
Plus the greatest barometer of a good product is not the professional reviews, it should be the reviews of the people that use it day in and day out. Take a look at the panasonic forums and some of the shots that this camera is capable of.