You definately need to play with both in a shop - but despite owning the A-200 I would lean towards the FZ20 as it has a much larger zoom range, - unless you need the wide angle more. It depends what you want out of it. The A-200 has more tweakability for saturation and contrast etc I have been able to fine tune mine to respond how I want it to. The Panasonic also has a focus assist lamp which has got to help in low light situations - but I have no problems with mine in low light - check out my Night Vegas shots on my photo link. At the end of the day it's your decision. I would think the Panasonic is also more robust - I don't know I've not tried it. I personally prefer the image quality on the A-200 - but you will need to look for yourself - try comparing images on some of the review sites. Good luck.
Geoff Chandler. UK/England/Surrey
NIKON D90 / D80. Nikon 16 - 85 VR, Tamron 28-200,
Sigma 70-300APO, Tokina 100 AT-X Pro D.
SB600 flash. Panasonic DMC-TZ25