Like me.. im black, so my photos wont come out all bright and vibrant.. So i have mine set on "Sunny", with flash on automatic.
Flash: off
White balance: Auto
Pic Size: 1600x1200
Pic Quality: Superfine (like my wife)
Color Effect: B&W - because of Msmari's thread
I for one feel ya on the "vibrancy" thing
At night for some reason, this camera gets REALLY blurry