I guess I am just trying to have the best of both worlds.
RAW pics I can edit as I learn how to do that (which is entirely another new adventure for me), and JPeg pictures I can immediately show to others.
While you're learning you can shoot raw + JPEG. When you do that the appropriate action is to try and make as good a JPEG as you can. This will often result in a compromised raw file. You can still work with the raw file and learn to process it, just know that it could often be better.
I ran out on the front porch and grabbed a snapshot for you. One of my wife's potted plants seems to have an oak tree growing in the pot. When we discovered it my wife decided to leave it alone for now in case she wants to transplant the tree.
First I set the camera to pattern metering (P mode), and zeroed the meter allowing the camera to select the exposure. Other settings were auto-WB, noise reduction off and sharpness +2. Arguably the camera made a decent JPEG. I made one minor edit and leveled it (it was hand-held) Here it is and it's full-res:
Next I took control of the exposure and saved a raw file in which I exposed to utilize all (100%) of the recording capacity of the sensor. I processed that raw file and here it is also in full-res:
You should be able to see the EXIF data for both photos. What you'll find I did was I used the camera's EC control to set an exposure +1.6 stops more than the camera's metered exposure. A subtle metering difference probably because I hand-held the camera and the difference between the two photos is 1.3 stops. That is in one sense staggering. That means the camera, in exposing for the JPEG, left more than 1/2 of the sensor completely unused -- 1 stop is 1/2 the sensor!
When I save raw files I use the sensor in my cameras -- all of the sensor. Increasing exposure improves signal to noise ratio and overall image quality. It's there in your camera, why would you not chose to use it fully? Why the difference? Because the camera software is pretending there's film in the camera. It's exposing for the film simulation tone curve of the output JPEG. There's a range in operation here (think bell curve) where the camera will in an ideal lighting/scene-contrast condition deliver both a good JPEG and a good raw file (center of the bell curve) and then as that lighting/scene-contrast condition changes the camera will go to both sides of the bell curve center overexposing the raw file on one side and underexposing it on the other. Most of the raw files the camera will save will not be optimally exposed even though the JPEG looks good.
There's an inexpensive software program called
RawDigger that you can use to examine your camera's raw files. And some good articles on their website.