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I have the FZ28s. Same camera, just silver instead of black like the K model. I've really had alot of fun with my FZ28. I bought a Raynox 250 lens for super macro shots which has been a ton of fun. The camera has an awesome 18x zoom which still takes great shots at full telephoto. I've used a couple different DSLR cameras and I have to say that the FZ28 takes the best shots you're gonna see without buying an expensive DSLR. Even then, the shots may be comparable.
HOWEVER:....the FZ28 does need enough light to get a good shot. You can use some manual settings to make things better, but in my experience with DSLR and compact cameras, the FZ28 boosts the heck out of ISO to get more light and really lowers the shutter speed to take in more light. Obviously, a slow shutter speed inside isn't a great idea for a handheld shot of moving kids or whatever you're taking a photo of. I've taken some great low light tripod shots with the Fz28 which came out what I thought to be fantastic. Solution around this? Use the flash inside, right? The default flash will blow the heck out of just about anything. I typically decrease the flash power a bit to take shots inside, based on distance from subject of course.
One thing I HIGHLY recommend with the FZ28 is to make some sort of flash bouncer. I haven't found anything that you can buy that's specifically made for it, but just about any bouncer is good to buy and you can modify it to what you need if you have some basic modification abilities. You can also build a full size diffuser out of a box, some tin foil, and some sheets white, thin, flexible cutting board, milk jugs, tissue paper, etc. Be creative. I made about 5 diffusers of different thickness and shape to different effects. Very effective. My FZ28 with my diffusers that I've made have made for a great combination and for a great camera.
While I'm always in the market for a good DSLR, I just haven't quite found the price to product ratio that I'm looking for and haven't found anything yet that can beat what I'm using already.
My page is on flickr at Flickr: Ub3rn00ber's Photostream
Not all are taken using my preferred technique. Sometimes it just isn't practical to carry diffusers around to Chuck E. Cheese...hehe