Shamus,
I didn't settle on one, but my wife found a Sony Mavica on sale. It's the one that uses the 3 1/2" floppies, probably not as nice as the Olympus, but as we Yanks like to say, "never look a gift horse in the mouth." It's not too shabby though, it has a 10x zoom, macro, & some other whistles & bells that I"m still discovering.
Rory,
In addition to being "N scale", wages on my layout are "union scale" (or at least 1:160) Hmmm, maybe that's why they're all standing around!