Hello,
I consider myself as much less experienced than you... Also about to buy my first digi cam. I never really owned a film camera before, but I did used my faher's old EOS 650 in the past.
I was also considering between the Sony W1 and Canon A95. Now my choice tends towards the Canon.
The reason for that is because the canon allows more manual features which become useful when you get more experienced. It also has a rotating LCD which is smaller than the Sony's BUT which is visible in dim light. Finally, when I tried them, the canon was easier to hold steady.
On the other hand, the W1 has a strong noise reduction system... Its also what people found the most annoying, some were claiming it was too aggressive and that they would lose some details in their pictures. For my part, I found that there was very little differences between the 2 cameras, but that I prefered the colors of the canon a bit.
As for Fuji, well, I do not know very much, haven't read any reviews, haven't tried it either. But if I remember correctly(I could be wrong), The super CCD sensor will not produce 12MP images, but rather 7.5MP, I believe I read somewhere that it was not quite doubling the MP, but increasing them by about 25%. Besides that, there is the RAW feature which could be quite interesting to modify pictures afterwards, but I do not know how that works. It seems to have good manual controls. So without seeing any review, it does look like an interesting choice.
Well, what I said may be worth nothing as I am a total newbie who tried to learn as much as possible in the past week or so. Now, people will come here and suggest you some panasonic cameras(something like FZ3, FZ20). This is something very present here and I admit I would have tried them if they had the ones that could interest me.
Edit: I looked a bit and perhaps I will give a better attention to the Fuji E550 before buying my camera. Of course, this thread will also be quite important
PS. I'm also in Canada and I find it hard to find cameras at good price, except a few(among those, the W1 and A95).