Yeha agreed abt what Pit has said. Better to get a SM card base. Unless you have not spent that much on SM card.
The S40 is a very good P&S DC. It a bit heavier then most DC.
Try out the F601Z last nite at John and find that it a bit small. HAndling is a problem. But pic quality shld be not bad (Fuji's colors.......). Like the overall design. The menu is oso quite easy to play ard with.