Yes My vote also goest to Nikon cool pix --->best for quality...but poor optical zoom. If you need best all in one ...I will prefer Kodak DX-6490...you can find at cheper rates if you try in market but, without BILL and warrenty..
Try the Canon Powershot A75/85/95 cams. They offer great features. Nikon cams are great too. I would say choose between the Canon series or the Nikon Coolpix series.
For under 20K you can get a Nikon Coolpix 5200 (or 5600 now) alongwith a 1 GB memory card!! Go for it. Its fantastic!! For cameras, IMHO, nothing can beat Nikon.
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