Sorry to be a pain.
Could I ask why you recommend the TZ-5. I have just read 1 review that suggest the picture quality is the same as the FX500 and FX35 and it is purely down to whether you want a touch screen or 10x zoom.
Would someone like me notice the 'noise' on dark shots or is it a case of being over picky being pro's with photography. (I know what I'm like with my job where as some will say its fine, I don't agree!)