Ive had my SX20 for about 2 years and have loved it so far. I shoot primarily on program or manual, and I use CHDK for raw. Because if CHDK, I intend to stay with Canon if possible.
My primary reasons for upgrading are that about 90% of my shots are of my 6 year old and are action shots -playing, baseball, etc. It's hard to get a 6 year old to be still!
The SX20 with burst is about 1shot a second, where out of the box I've read the SX40 is 8 FPS in burst and so far, but I am not sure that alone is worth the cost of upgrading. (I have a tight budget - I can swing the $400 if I use my Brandsmart no interest card)
I'm just looking for more points to consider from someone who has played with or owned both.
I do not wish to own a DSLR, I simply can not justify that cost for personal use. The mega zoom is an absolute must. I don't care about video. I use it some, but I only ever watch it on my PC and it's just not a concern of mine.
When I am not taking photos of my kid, it's usually flowers, etc so I do use the macro feature quite a bit, but I am perfectly happy with macro on the SX20.
I do take quite a bit of indoor shots, an the SX20 isn't great at that. I prefer to not use the flash but when I do use it, I have a homemade lightscoop I use.
I don't take many landscape photos but we are going on a cruise soon and it's something to keep in mind.
When I am not carrying my SX20, I have a Panasonic ZS8 that is always in my purse.
I guess what I am trying to decide is if the speed is that much better on the SX40, and as I said, anything else I've not thought of that would make it worth the $400 upgrade.
Thanks in advance!