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i've been a photography student, and i'd highly recommend not bothering with DSLRs.
I have a 10 megapixel Canon powershot A640. bloody brilliant. It has this large flip out screen so you can get pictures in all sorts of places that you would never get an SLR.
It takes a while, but once you're used to the settings and how you can fiddle with it, I think it gives you almost all the stuff that an SLR can do: I often use it to take long exposures of stars, and other nighttime stuff, and get great results: it has a maximum of 15 second exposure, and you can change the "film speed" from ISO 80 to 800, and you can even change the flash output. In the manual function you can change the shutter speed to anything you like, from 15 seconds to 1/2500 and the appature from f.2.8 to f.8.0it even makes AVI movies of a really good quality!
the focus is amazing too: i can focus perfectly on objects as close as 1cm. and it's got 4xoptical zoom.
it's quite compact: fits in a pocket, but is a bit weighty: it takes 4 aa batterys, but this means it's really reliable unlike a lot of other point and shoots.
I'll shut up now.
then, after that would you need to get a transparent coat on over the top? or would it be fine just like that??
just trying to get my head around bike painting at the moment...