Your points are worth considering, but you might want to consider how much you would like to get out of your camera in the next couple of years. With the pace cameras are moving, new features and better options yearly, would you be upgrading to the next level. I think you had mention other controls available that interest you which kinda leads to my former experience.
No intend of bragging, but an overview of my past experience is i started my camera hobby since I was 16 in the film days with a Canon AE-1 P great camera. Then progressed to Minolta Maxxam 9000, great camera as well. I then jumped onto Digital when it was first introducted back in 1999 when there was only a few brands to choose from ( got the Kodak Millenium edition digital PS). Then a Canon Elf, 2 different Canon supershot, and now an Olympus SW1030. Got the 1030 due to waterproof and drop protection. With kids, they sometime like to pull your arm to get ur attention and fear of dropping it on the ground or at the beach someone gotta keep an eye on the camera so others can go into the water. The olympus took not bad pictures outdoors, but suffers indoors. I combat that by locking the ISO at 200 and was do able. I wanted something tough and not break caused by rain or beach, as well as drop, so I was willing to accept a bit of quality. Like you said, I do most the same as in printing most of the time in 4x3. Then last Sept bought the Canon EOS XSI cause I missed the manual features, but didn't want to lug in regular outing and this year got the Panasonic FZ28 superzoom (then of course a month later, new one came out, darn) so that I can get some descent video and not lug a camcorder along with camera. I had a Sony DVD camcorder about 4 yrs ago, top of the line at the time with surround sound etc, but vowed to never buy Sony as I find they stuff don't last especially I used my camcorder less than 2 dozen times. The sound went after 3yrs hardly used, videos were vivid as well as sound, but they darn product don't last. Had another Sony camcorder back in 1993 same deal. a month ago got the Panasonic Lumix DMC-TS1. To sum up all this, it can get addictive, but from my knowledge here are some points to consider and some you might already know:
Try to not get too consumed with the reviews, what I find is some are brand specific and might be bios. Best is goto the store and handle and experience the camera and find the one you are happy with. The shutter lag etc, play with it at the store, it may not be as bad as some reviews make it to be. Don't know if ur from the States or Canada or Europe, but in Canada there are stores that has 24 day grace that allow you to bring back and change ur camera without penalty.
The superzoom and point and shoot, there image sensors are substantially smaller than DSLRs which the DSLRs will yield better image overall within nick picking. That's if printing remains at 4x3 or 5x6. The MP just gives you bigger image other than the DSLRs when their sensors collect more light as the MP increases.
Canon does a great job at the point and job from my experiences. Other are not bad and not too noticable when printing small prints. Heard their superzooms CANON PS SX10 IS are pretty good.
I find it, once you hit close to $500 or more, might consider DSLRs even though your zoom power is limited to the investment of your lens. With DSLRs when you shoot with RAW, the image can be salvages or altered afterwards so that the shot is not all lost. Thats of course if you want to do computer touchup that JPEG is very limited. Then again the 18x optical zooms is equivalent to 400mm plus compared to DSLRs.
At the price of Canon or Pansonic superzooms, it's getting close to descent entry level DSLRs just not as powerful in zoom till you upgrade ur lens.
Hope this helps, sorry for the long reply.