Instead of the TZ10 i'd go for the TZ9.. same camera without the battery sapping GPS.
save your money and buy a Sony Nex 3 or 5 and don't look back, the 5 or 3 are what compacts have been waiting for, I am now happy to leave the bigger stuff at home and when I see a great shot I don't wish I had a bigger sensor with me, it's not hard to fit one of the 2 lenses in my pocket and I don't look like a pro and attract the "you must be a terrorist or pervert boys". only drawback is the cost but I think it's the best money I have spent on photography.
They do shoot RAW but as yet not covered by CS4 so I use the software supplied by Sony, as for where to buy look on the net but I am a believer in shopping locally I like to be able to complain to a person if anything goes wrong.