What kind of camera & settings?

[cinderbird]

Yes you did explain it and you pretty much said it does matter on the camera. A point in shoot does not have the wide range of uses as a dslr due to the lenses that are offered with a dslr.

except that if you don't need interchangeable lenses (etc), then you don't need a DSLR if you don't want one.

it really depends on the purpose you want to use your camera for. If you're taking pictures of snakes or people or flower still lives, etc you don't need the interchangable lenses. A fixed lens on some coolpix point and shoot will be fine. I dont own a point and shoot at this time but if i did i'd take example pictures. I think that jpman pretty much covered that though.