if you have a tendency to be abusive to your equipment (like me:stupidpc

I would recomend the Olympus Stylus Tough series.
That's my camrea. Tough 8000, there are Tough less number model too.
Water proof, shock proof, dust proof, and freezing proof (ha ha ha)
My another water proof cam is Sanyo Xacit VPC CA9. >> using mainly for the bike mounting, but currently out of the order.. sad.
I saw an ad. today, Sony also announced the Water/Dust proof point-shoot camera.
Cannon has one too.
These water proof cam is good when you go and ride bike at the humid places.
Sometimes, samll digital camera lens gets problems when the camera is exposed in the long time without covers >>
at the places like >> good dense of fogy, early morning at the camp site, beach, yes rainy and snowy day, and etc...
Also, the dust is one of the problem when the cam is in the riding jacket while you are on the long run highway or dusty road. (especially, you forgot to close lens door..>> don't ask me how I know... ha ha ha)