DO NOT go by what the salesman tells you! He's a salesman. He'll sell you a box with a hole in it if there is a profit to be made. Sorry, I have bad experience with Wolf Camera. Though I never bought anything from them, everytime I leave the store I need a shower. Anyway, if the salesman was referring to the difference between P&S and DSLR's; I would have to slap him up side the head. They're not even in the same ballpark.
You did the right thing by researching this matter since there are endless sites and forums on just this subject to help people decide on the right camera for them. That's what it all boils down to.
It really depends on what your level of "quality" is and budget. Are you going to print it for your album, e-mailing friends, scrap book, show grandma? Than IQ really isn't that big of a deal since the latent 72dpi will print just fine on small prints. My Canon A460 does a decent job for smallgroup gatherings, parties, etc. where I do not want to tote my D20 around. I think they are up to 8MP on P&S now. But you can only cram so much many pixels on a small sensor before image quality degrades. Where you will see the difference is in low-light, high ISO settings where the images on P&S really degrade, shutter speed, horrible flash, etc. Forget about enlarging prints for that matter. The larger DSLR-type point and shoots are pretty impressive though. But for that price and size, I rather get a DSLR. With a P&S you are pretty much stuck with it as is.
The more pricey DSLR's are more versatile with interchangable lenses and have larger CMOS sensors, faster shutter speed (since it actually has a shutter), better pixel to noise ratio, the list goes on. It is a good choice if you plan on growing into the field and develop as a photographer.