Right, I've gone and done the unthinkable, I've bought option 3 to try it out. I went in to my local Best Buy, which is practically the only place that actually stocks any amount of cameras and unsurprisingly they didn't have either the XT20 (or any Fuji for that matter) or the D7200. The only Nikon's stocked were the 3400, 5600 and a big full framer that was well out of my price range. They did however have a Sony A6000 and one package left over from the Boxing day sales of the A6000 with the normal 16-50mm lens in addition to a 55-210 lens for considerably less money than anyone else I can find online right now and several hundred dollars less than choices 1 and 2. I'd have loved to have got my hands on the Fuji and Nikon to check them out but its a lot of money to order blindly online when you know as little about cameras as I do and given the A6000 was my third choice, even though it is a little bit dated now, I thought I'd take it home and if I hate it, take her back again. I know its not quite the quality of the other two but can anyone think of any reason why I've made a terrible mistake in getting this camera and should return it at once? I've got 14 days to change my mind and return it should I need to.