This is funny seeing people still unsure. Senu... putting a name to our affliction is fantastic!
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There is something called "Purchase inertia" brought upon by reading too many reviews and then waiting for that perfect and best VFM Kit
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I have had the SD9 for awhile now. Used it for summer holidays etc and have it for Christmas.
So... Kinza, you said about
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3 kids Xmas presents to pay for
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. Well, remember to capture it all in HD!

Honestly, my whole take on these new HD cams and TVs is that as of now most are not really up to the job. The TVs show fantastic and vibrant colours but they do have a smudged look when objects move quickly (and I have a very good Philips HDTV). Also with these cams you have to pan really slowly or else on playback it looks a bit grim. Low light makes matters worse. As far as editing, I haven't done any yet because my PC would take forever (upgrade soon just need to sort out best rig/setup).
In saying that the SD9 is very handy. On holiday for example it was just this small cam we used for videos and great still Photos. Have to say pictures and videos we took during sunny days in France were Stunning quality.
I could be still umming and erring ("Purchase inertia"

) instead I have HD pictures of my kids in France enjoying life to the full which I'll be able to watch in HD for ever! (When PCs software and TVs really allow for perfect playback)
One more thing... 8Gb SDHC cards are so cheap that I buy a few and just keep recorded stuff on them for now while editing/playing back via the cam.
Ohh long post.
Once you make that purchase just don't keep checking prices and you'll be fine. Some places like Amazon will refund the difference if your product drops in prices within 30 days of you buying it.
Cheers Frank.