The HS-20 is a mighty fine camera until you really need to move up to a D-SLR. So if you don;t need a D-SLR the Fuji HS20 is a GREAT!!!! camera. What I find limiting o the Fuji HS20 is the fps burst. They really need to make the HS30 have 100 frames total at 3, 5 or 7fps that way sports shooters and action shooters can get more out of the camera.
I know have a Pextax K-5 just for the burst mode and also to get some better low light images, but the HS20 was and still is a GREAT camera that I will and would recommend to anyone who doesn't need a full D-SLR