3.2MP is still not that great although probably sufficient for 6x4 snaps. Before long 5MP cameras will be out. The limited size of these devices will to a certain extent limit quality.
How about this:
Get a 'free' SE K800i (as I will shortly be doing) and see how you get on with it. If you find it sufficient you've saved 250 quid which you can spend getting a 1GB card for it plus some change :)