I just got back from a Ritz camera store and I must say that I am glad I went. I was going to buy the FZ5, as opposed to the FZ20, but feeling both of them out in person has definitely swayed me to the FZ20's side. It is bigger, heavier, and feels like less of a point and shoot. The FZ5, on the other hand, feels REALLY light and flimsy which plays tricks with my head. The price difference is ~$80, and I get a hot shoe, MF ring, and 2.8 throughout the zoom with the FZ20. The only thing I am slightly worried about is its protability (both cameras do not fit in my pocket whatsoever anyway.. but the FZ20 is much larger.