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Where is the extra 1500.00 coming from? The E-PL2 is 100.00 more than the XZ1 and I would assume that the housing will be within 200.00 of the XZ1 housing.It's like comparing a motorcycle to a car. Very different price range and performance for a complete system.
You'll spend about $1000 for a system using the Point and Shoot, with strobe and tray. It sounds like a really nice setup for a small package, but it will have all the limitations of a Point and shoot, mainly slow shutter time compared to a DSLR (which the E-PL2 is not, but almost).
You'll spend about $2500 for a system using the E-PL2, with strobe and tray. Better images, bigger package, probably shorter shutter lag due to the fast focus of the 14-42 ii lens.
That's the quick summary. My gut feel is you should go with the XZ-1 since you are upgrading from a point and shoot. You'll get a lot better shots and won't have to deal with the cost and size of an E-PL2 system.
I too am interested in where you get your numbers...You'll spend about $1000 for a system using the Point and Shoot, with strobe and tray.....
You'll spend about $2500 for a system using the E-PL2, with strobe and tray. .