As with most things in life..'you gets what you pays for', that said some will always go nuts and by the latest/greatest.
Do you want the camera for web use only? i.e. around 1Mpixel or for prints 2-3Mp
The min spec for most cameras is win98SE and enough HD space to store your pics.
Even a 5Mpixel camera will not match a 'normal' camera for resolution although it's down to the better the lens to make a difference.
Have you tried searching for "digital camera reviews" (including the"") to see what's thrown up?