Definitely Creamo - Photoshop color & levels adjustments are my friends.  Not to mention the ability to crop my sorry attempts at photography.  I stuck with the 3MP because it was enough for the sizes I'd ever print, and I didn't want to spend any more.  Decided on a 512MB card...went with a PQI 60x card instead of the SanDisk, since it's about $20 cheaper for the same speed.  Plus, the continuous shoot seems to work fine with the card I'm using temporarily - a 256MB RSMMC card from my mobile phone, and this card isn't anything special.