This subject was discussed on Byan Bigger's forum,
http://www.network54.com/Hide/Forum/151930 , in early to late
September. You may want to look it up there.
In my own, very brief, testing I found that, for shooting in JPEG,
I could under expose by two stops (instead of using iso 400) and in
post processing increase the exposure. I did not appear to lose
much of anything in the dark areas and there was significantly less
noise. The JPEG file size for the iso 400 photo was 50% larger
than the JPEG file for the iso 100 photo. I had a blank wall as
part of the photo. For iso 100, jpeg really compressed this, but
at iso 400 the noise prevented the large compression.
Starting then, I lower the exposure compensation first, and then if
I still need a faster shutter speed, I increase the iso setting.
Bob Sheldon