I read alot of these posts where it talks about the cameras not having a decent picture quality, and I think that's subjective. I bought this camera (720) for fishing pictures. Period. When I'm out shooting specifically for wildlife, or framing quality, I don't use it. For what I've asked it to do, it's exceeded my expectations. It's a 7.2 mp, whereas anything 6 or above is comparable to 35 mm in an 8x10 size, as far as pixelation. No you can't put filters on it, or adjust the f-stop, but for a point and shoot that will take a dunking, and is the size of a deck of cards, you have to make some comprimises. I don't need telephoto capabilities on a camera I'm using to take fish pics.
As far as the menu, I see it as a non-issue. When I start my day, I set it to the highest image quality, expecting to catch a fish, want to photograph it, blow it up and frame it. I set it, and leave it. I don't see much need to fiddle with the image quality, or shooting mode throughout the day. As I move into evening, I might switch it over to night portrait, and again, leave it. It's not like I'm goingn through the menu on the fly. There is alot to the menu, but if you know what you're looking for, and can bypass what you don't need, it's just a couple of seconds, and you're up and rolling.
Here's some examples from my 720. Works for me. Held at arm's length for a self-shot, or a fish shot, how much camera do you need? If I need more, I'm using my DSLR like it's supposed to be used.
I'm leaving these unembedded for the sake of the dial-up guys.
Jeff