You sorted out yet?
When I grow up I'm gonna be a photographer so I could bore you for hours.
I've got a range of stuff from tiddlers to pro. Probably 50 lenses.
I wouldn't disagree (as such!) with wot he^ rote but will add a few angles.
IF you want a great zoom at anywhere near your budget then you have to go with a camera with a tiny sensor. You won't do it with a DSLR.
See
http://en.wikipedia.org/wiki/Image_sensor_format
(Mine go up to 24 x 36)
A 12MP 24 x 36 sensor will take pictures in light several "stops" lower than an 18MP APS sized sensor one, long after you'd have had to put a tiddly sensor camera away. The big 12MP one would be able to use much faster shutter speeds too, in good light.
The problem is "noise" which looks like film grain.
(Bigger sensors simply collect more light)
But the lenses for the same angle of view on the bigger sensor camera, are monsters.
In fair light, tiddlers are OK though, and you can have physically small "long" zooms. They're fine for pictures up to say A3, depending how geeky you want to be.
So we'll assume you're best off with a tiddler.
Then, it's mostly about personal taste and
reading the reviews. You're up against the laws of physics here, improvements in technology will only be able to do so much more. Current cameras with the small sensors make only slightly better pics than older ones.
More Megapixels means smaller pixels. That means WORSE pixels.
We have a very old Canon 6MP and a newish Nikon 36x zoom 12MP, which is a little bit better, but the lens is a compromiise.
A 3x zoom ( or a fiixed lens, even moreso) will tend to be better than one with a wide range.
More than about 8MP on a tiddler isn't really gaining you anything much, and will be costing you low-light performance, which is important for interiors, flash pictures, action photos too..
Over 12MP is silly. Remember it's an area thing, so doubling the number of pixels only gives you 41.4% more on a side
Canon & Nikon's 24 x 36 latest sensors are only 18 or 24 Mp, but they're huge.
Personally:
I strongly prefer cameras to have a viewfinder.
RAW I use (all the time) but for a tiddler it's not so much of an advantage, more a geeky thing.
BUT watch out in the reviews for criticisms where they say the JPEG converter in the camera compresses too much. That degrades your image by trying to save too much space. Our Lumix does that.
The 36x zoom on the Nikon Coolpix summitorother we have is outrageous. In good light it's impressive as hell.
I preferred the Canon competition when we bought it, except that it was so SLOW to do anything.
Stuff like that may be important if you want to take it to a footy match.
Some of the gizmos they have these days are really good. Face recognition isn't a great thing for me but could be for you.
Panoramas though, eg where you press the button and rotate the camera and it matches things up, are doing things you couldn't have done a few years ago, so do some research.
WIde angle end I like to be very wide. At MOST 28mm in "35mm " terms. Our Lumix does 28mm, the Nikon 24mm which is quite a bug %age wider. It's very important indoors.
Close focus is
my thing - some are excellent. Olympus especially I think.
Some are good at video.
Some are absobloodylutely goddawful a video. A Sony we looked at was much much better, but really a cheap camcorder wipes the floor with them for overall usage.
£200 is pushing it. I'd expect that if you stick to a lowish zoom range you'd get better quality at that price.