I would have to agree that when actual $$ is figured, cost vs. benefit type of thing, that this camera (FZ10) is a far better than any dslr (configuring in some equal reach lenses). Now before anyone gets up in a huff, the dslr will, in most cases, take superior images than a prosumer (depends on which dslr you are referring to, and what conditions the photo is being taken in). However, if you can get the FZ10 for no more than $599 (U.S.), plus another $100 for a TCON-17, you have invested only $700 for a very acceptable camera. However, you will need anywhere from $2,000 to $4,000 (or more) to get comparable reach. So I have to figure, is that shot worth 3-6 times the amount? Sorry, IMO I do not think so. (All this pertains to the amateur photographer vs. the pro).
Is it a beginner's camera? That, of course, will always be a matter of opinion. The 300D does not have full control like the 10D, but is still not regarded as a beginner's camera. For me, the decision came down to someone I know who owns the Canon Pro90 (which I also own) and took comparison shots with the FZ10. He also owns a 10D, among other cameras, so I trust his experiments. His determination was that, as a whole, picture quality was not superior to the Canon Pro90. I am looking for a true upgrade, not a supplemental camera. If it is a true upgrade for anyone here, or perhaps someone is looking for a supplemental camera, then by all means go for it. What is not good for one is not necessary not good for another.
Not trying to ramble, just trying to discuss.