ProtoPhoto
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Let's start with low light. The 2.0 lens of the S95 is worth a full stop over the F20. Shooting in RAW for serious photographers who know what they are doing is easily worth a stop. So that is two stops right there, meaning the S95 only needs 1/4 the light of the F20. Meaning conditions where the F20 needs ISO 1600 - the S95 only needs ISO 400. So, blows the F20 away for IQ with moving subjects in low light.
Then you have those tricky tradeoffs with moving subjects. With the S95 you have a live histogram, giving you the live info you need so can quickly and easily adjust shutter speed and/or aperture for the precise best combination that you feel is best for the circumstance, aided in your task by those sweet 1/3 stop ISO adjustments. For the F20? Nada.
How about still subjects? I forget whether the IS is rated 3 or 4 stops, but let's say 3 stops. So that is 5 stops altogether (adding the lens/RAW from above), meaning the S95 only needs 1/32 the light of the F20 for equivalent ISO for still subjects. So, for what the S95 can record at ISO 100, the F20, would need ISO 3200, except it only goes to ISO 2000, so can't even get any shot when the S95 can do ISO 100.
Oh yeah, no difference there, right...
Then add in the wider angle lens, the smoother and easier to use controls, the HD video, and so forth.
I don't doubt the OP loves his F20, and good for him. But, there is no comparison between these cameras.
Then you have those tricky tradeoffs with moving subjects. With the S95 you have a live histogram, giving you the live info you need so can quickly and easily adjust shutter speed and/or aperture for the precise best combination that you feel is best for the circumstance, aided in your task by those sweet 1/3 stop ISO adjustments. For the F20? Nada.
How about still subjects? I forget whether the IS is rated 3 or 4 stops, but let's say 3 stops. So that is 5 stops altogether (adding the lens/RAW from above), meaning the S95 only needs 1/32 the light of the F20 for equivalent ISO for still subjects. So, for what the S95 can record at ISO 100, the F20, would need ISO 3200, except it only goes to ISO 2000, so can't even get any shot when the S95 can do ISO 100.
Oh yeah, no difference there, right...
Then add in the wider angle lens, the smoother and easier to use controls, the HD video, and so forth.
I don't doubt the OP loves his F20, and good for him. But, there is no comparison between these cameras.