I can't find a better P&S camera than my S95!

Yes, and I would estimate that the vast majority of photographers shoot the vast majority of their images in "adequate light."   And if you view your photos on a high quality large monitor or less, there's really no logical reason, other than helping our fragile economy, to buy a new camera, as you won't see much, if any difference in the quality of output.

I wish it wasn't so (as I want to get better quality output by purchasing a new camera), but I am now convinced it is true.

J