Hello and welcome to the thread Mr Wabbit, your reasoning for buying the FZ 28 is very sound, I went through the same process and have since thought about upgrading to a DSLR but only for a fleeting moment. I will only upgrade when I know I am pushing the boundaries of the FZ28 and that is still a very long way off.
When you get to Singapore I suggest you try to meet up with some of the FZers on one of their outings, the tips and advice from the fellow users are invaluable and sometimes they have some surplus gear to sell at cheap cheap prices.
The outings I have been on were great fun and even if you cannot make it to one with 8 to 10 FZers a smaller event with one or two others is still worth while.
Keep posting and hope to meet you soon.