I actually believe that digital zoom is useable within certain limits. If you plan to use digital zoom on more than 50%(or maybe 30%) of the pictures you will plan to print, get a camera with more optical zoom.
Then, using digital zoom can work, but never go to the limits. For example, if you have 4x digital zoom, never go beyond 2... Actually 2x digital zoom should be pretty much the maximum.
So, since you are planning to print 4x6 pictures, I would say that 5mp cameras should suffice. Actually with 3x optical zoom, 5mp is the least I'd suggest, with 4x optical zoom 3 or 4 would be acceptable provided that you don't go beyond 6-7x total zoom. For 5mp with 3x, going to 6x with digital zoom, you'd get a 1.25mp picture, it would mean over 200dpi which is more than acceptable from my point of view. Have a look at a little test gallery I made to check digital zoom on my A95:
http://nicolas7894.fotopic.net/c418760.html
If you want the originals so you can print them, just tell me. That would actually be your best bet since you'd know exactly what to expect.
BUT optical zoom is still the best thing.