Finally happy and satisfied!
After 20 months of ownership, I have found the key to day-to-day use for the EX-H10 that satisfies most of my day-to-day and travel needs.
In the AUTO Mode:
Anti Shake - Camera AS
EV = -0.67
Save the above in a Best Shot file. Repeat for ISO 400, with and without Auto Flash.
Change ISO as situation dictates but stay at 400 or less.
Shoot at 24mm (35mm equivalent) and up to 5X maximum.
Superb battery life.
Stay away from extreme zoom focal lengths and high ISOs.