the CCD on it is 1/2.7" so there is not gonna be a 3 mp CCD for it till probably late next year, since its hard to make CCDs that small. Most 3 megapixel CCDs are 1/1.7 or 1/1.8 inch. Accesorries i recommend, get the $15 soft case (not worth looking around for this, you really cant save on it, just get it at ritz camera, its around $15). Get a 48mb lexar card with jumpshot (80 pics at the 1600x1200 fine res, just about as many as the camera can take with LCD on with the battery). The jumpshot will make it so you wont need to use the little USB door that seems like it can break off. If you use it a lot, pick up a spare battery somewhere, but i didnt find i really need it, the battery recharges in 2 hours anyways. Also the CF door hinge isn't whats cheap, its the door itself, made out of pretty cheap feeling plastic (kinda sucks since the rest of the cam is metal). Anyways you shouldn't crack it or anything unless you drop the camera, which isn't something you should do anyways. Other than that, i think you are good, just the camera, the case, and a CF card (the 8mb is nearly useless) .
whoever says that the g1 is a "upscale consumer" camera, i dont think so , its prosumer, the s20 at the most would be a consumer one (same CCD). Anyways, the nikon 950 has a better macro than the s100 (1" instead of 4"

, but in the $400 range (with coupons anyways), i'd buy the s100 (which i did), since its smaller and you'll get more use, the 950 and s100 are totally different cameras, i know i'd never take the 950 around with me as its too big, i used to have a fuji mx1200 and well that was too big. Also the 950 doesnt have a usb port (i guess this doesnt matter if you get a lexar jumpshot).
Also the best reason for getting the elph is people wont think you are a freak like you would be with a 950. Sure its cool looking, but it doesnt look like a digital camera, so you dont look like a total wierdo (especially if you use the optical viewfinder). Lastly though people complain about the battery life, i was able to take 235 pics with some use of the LCD (not all the time, but i used it maybe on 10% of the shots, and some reviewing also) over a 4 day period on one charge of the battery.