Go to Best Buy and get a canon or whatever you like. Just get the three year replacement deal. We bought a new Casio and it worked great till it fell of the roof, two stories, minus me attached.
Took it in and left with a new camera and a new 3 year warranty.
We now have a canon SD1100 IS and it is good for the $$$ but there are much better ones out there now, I see it falling in the lake soon
They have waterproof/resistant cameras out there now that I may look at. Being at the lake most of the summer and 4wheeling with rain and dust I think one of those would be a great way to go.