Well now, I own an FZ38 and also an FZ100, neither of which if judged by the standards of my Nikon DSLR and lenses could be said to produce "Quality" images.
How strange that unless I am doing something that really needs extra "Quality" I use the FZ100 and neither of the others.
Why should this be?
Because it is the most versatile camera of the three,It has a superb articulating screen and the zoom is good enough to capture images that need little or no enlargement to make high class prints, and it does this at slow shutter speeds too
Great for taking shots like this in the local park
Neither of the other two cameras make it so easy to get shots like these so it is my camera of preference
These are consumer products that should be judged on the balance of more than just the single factor of image quality, which will not, in any case trouble the likely buyer of the camera, who isn't going to want to view them at 100% anyway.
Looked at as a total package the FZ100 is far superior in all but one respect (which hardly matters)to it's predecessor the FZ38, and I won't be going back to it.