I would like your help in choosing between the three cameras above. I don't currently own a camera - everytime I decide I am going to buy one I get so overwhelmed by the various specifications and reviews out there my brain hurts and I put it off for another day. Well, that day has arrived - I am going on safari in a couple of weeks and definitely need to buy a camera for that and for going forward and have narrowed my choice down to the three above. From reading other threads on this site it seems to me that there is very little difference between the out of the camera shots from the 38 and 45 but the 100 needs a little more manual intervention. I used to own a Nikonos V which I enjoyed using to take underwater pics so I have a little knowledge of ISO, exposure, f-stops and the like, but have probably forgotten 90% of what I once knew (which wasn't a great deal to begin with!!). For that reason the 100 doesn't scare me too much but I am leaning towards one of the others simply because it has been so long since I took photos, that I think I need a camera that is more forgiving in auto but which I can play around with to learn how to use manual settings again.
Of the 38 and the 45, I assume the greater zoom would be most useful on safari....but then the 11 fps of the 100 makes that useful too.....!
My brain is starting to hurt again....please help...!!

Oh, and to add something else into the mix...a camera that has an underwater housing would be useful so I can take it diving - I particularly used to like taking macro shots.
