Both the 990 & 995 give you full control of aperture and shutter speed (check out my bike race photos link below). You may think you want a point & shoot, but it's so much easier/cheaper to experiment with a digital camera that it will want the control. For the first time in my life, I'm actually interested in photography.
Here is what I've learned:
-A swivel lens/body (Nikon 990) or swivel LCD is very handy as in shooting something down low, up high, etc.
-Companies that make good film cameras make good digital cameras; they all use similar ccd's so it comes down to the optics, etc.
-Nikon makes the best macro (close up) cameras. If you think this isn't an issue, take your camera into the back yard some time, you'll have a blast shooting wildlife on the small scale.
-Plan on spending more than the price of the camera; 32 or 64 Mb card, nickel metal hydride rechargeable batteries, better printer, software, etc.
-Epson makes the best picture printers, but my HP does pretty well.
-Go to a camera store instead of Best Buy, it's amazing how much more they know about cameras.
-I am totally perplexed as to why people buy a camera with a floppy drive. They are bigger, heavier, more expensive and they take lower quality (higher compression) pictures to fit on the 20 year old medium.
-3 mega pixels allow to crop a wide shot into a tighter shot and still get a good print.
-I highly recommend the Nikon. I'd probably buy the same camera today if mine broke even though it's two year old technology.
Some of my photos including my 325i (reduced for the web): http://homepage.mac.com/mcmurman