My advice when I give workshops is to buy the camera will accomplish what you need it to do and don't worry about all the bells and whistles. With digital I do suggest buying the best lenses that you can afford and one that is compatible with your system, as lens quality does have a impact on image quality.
Faster lenses, which allow you to select a larger aperture, in turn allowing more light in are more expensive but are also made to higher standards and are more money.When we say faster lenses it means that they have a larger front lens element and is capable of allowing more light in, not focus speed.
Todays digital SLR cameras(removable lenses) have awesome capabilities in low light (high ISO) that was not possible a couple of years ago. Combined with Nikon VR(vibration reduction) and Canons version called IS (Image stabilization) you are able to take indoor images that were not possible a few years ago without a tripod. I shoot a lot of sports and concerts so it is nice being able to have options for carrying lighter equipment.
Keep in mind the small sensor size of the point and shoots is the downfall of these cameras. Most have sensors that are smaller than one half inch across. The smaller the sensor -the more digital noise that the images will have when you shoot indoors. Compared to a DSLR that has a sensor that is much larger(From postage stamp size to a full frame that has a sensor the same size as a 35mm negative had) it varies by model.
A ten megapixel point and shoot camera is still at a disadvantage compared to a 10 megapixel SLR style because the actual pixels are smaller in order to fit on the sensor. I have 6 year old 3 megapixel pro digital cameras that will still give me more detail than a new 10mp point and shoot delivers.(Not even close)
As stated above if you can find a knowlegable local camera specialty store you will get much better advice than a box store or e store will give.
Sorry to ramble on.
Rob