Well, that sums it up! You'll be buying an individual model, and both Nikon and Canon make excellent cameras.
Don't forget two things. (1) when you buy into a brand you're buying into a system, and you'll be "trapped" in that system. If there's a really cute Nikon lens out there that you want (such as their new UWA zoom) then don't buy a Canon!
And (2) you're also buying into a manufacturer and their business philosophy. Doesn't matter until you need some after-sales service, and then it matters a lot. In this regard Canon are superb, and although i have no first-hand experience I believe Nikon are pretty good as well.
Although they don't make cameras I've been told that Sigma are also excellent post-sales.
I just don't know about Pentax and most of the others. But one company I wouldn't touch DESPITE most of their products being oh so cute is Sony. I've consistently had terrible experiences with them when any after-sales help has been needed.