Neil
I have got the Nvgs 11 b and for the money it is excellent and very easy to use , don`t be put off by the price because I have heard it is down to an aggressive pricing policy by Panasonic .
The camera itself is compact and light yet feels well made it has 24 x optical zoom and even at full zoom it is does not suffer from bad picture wobble as I have been testing it by hand and have not noticed any real problems with this , not tried it on a tripod yet but I would expect it to be almost perfect , picture and sound quality is good ( no motor noise ) but I have heard that night or dark recordings may be a little grainy but this is not a problem for me as I mainly want it for daylight use although in fairness any camera in it`s price range will probably be the same , other points worth noting are you can take still pictures onto the video tape but only at 0.8 M pixel it can be connected to a pc via usb for use as a webcam , it comes with a Software CD , shoulder strap , AV leads , usb lead , battery and charger and two remote controls , 1 wired remote the size of a small pen for tripod work with the basic - functions zoom record and another wireless credit card size remote .
Up to now I have only shot around 70 minutes worth of video with it and that is just test stuff - playing with the different settings but I am very happy with the results so far and feel I made the right choice for my budget / needs although as mentioned above you may be interested in the Nvgs 15 that has DV in which may be useful to you but IMO the SD card for photo stills is not worth worrying about and if you want to take stills look for a dedicated photo camera.
Edited - Duff info given

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Hope this helps.