Dude, don't feel bad! It's always like that with electronics: there's just so much choice, and tech changes so rapidly, that it's impossible to buy anything without wondering 'what you could have had'. In the end, you've just gotta trust your gut instinct!
Even if low light isn't great on the HF200, you probably bought the camera based on 101 GREAT features that will likely far outweigh the shortcomings.
Anyway, low light scenario - turn on a lamp, open a curtain, light some candles! Easy win!