For what it's worth (keeping in mind I'm a rookie, or maybe that should be Doufous Jr.) the bottom line is the end result. I've read about it, tried it and concluded: 1. I don't do sophiscated enough postwork to require the extra info. 2. My basic impatient nature is riled while waiting for the longer processing of the image in the camera and uploads to the computer plus filling up cards so quickly. 3. I do backup frequently and don't want to be using a truck load of DVD's to hold my photos. 4. I have taken identical shots in all modes and saw no perceptible difference on the screen or when printed on my Epson 2200, 2880dpi at 13"x19". But then, I do wear glasses. So I guess it's good to be a rookie, content with my 8mp jpg's, and not worry about such things. I especially like the link DBGRAFIX provided... made sense to me.