Well, as is characteristic of me in all facets of life, I went ahead and continued my research today and ended up buying the Canon S3 IS. I didn't like the feel of the Sony H5 when I picked it up and much I was honestly going to consider the Canon XT, it was just much too big for what I'm looking for.
So far it seems like a good camera. The flash doesn't wash out the subjects I shoot and shots without anything but available light seem a little better than they were with the A95. Not so much though that I'm blown away. The more I read the more I realize that I truly need to start to learn how to use the camera in something other than "auto" or a preset as I will probably get a lot more out of it that way.
So, let the learning begin. Maybe I'll pick up a "For Dummies" book? LOL!