I still think the S90 is a better purchase: lens faster by a stop, more compact, cheaper. The control ring is a big plus--it lets you access the really important settings quickly without having to flip through annoying, time-consuming menus.
I wouldn't worry too much about image quality--you'll never notice the difference. It's all about the bigger picture, not 100% crops.
Regarding card formats, that's the way the tech world rolls. All new cameras and their formats (SD, CF and what the store--RAW) will be obsolete soon. The SD format lets cameras be a lot lot smaller. They're pretty cheap nowadays on 7dayshop anyway.
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