Recommend Canon Sd1200 w/underwater housing or Canon D10

Anyone have thoughts on if I should buy the WP-DC29 underwater housing for the SD1200 or just purchase the D10 instead of the SD1200 combo?

Uses would be the pool and beach. I reckon the DC29 seems a little much for casual use. Although the D10 looks a little bulky.

I'd probably go with the camera and housing just because I spend a whole lot more time on land than underwater and when I take my compact, I want it SMALL.

Either, either I think you'll have a good system and lots of fun