Thanks for the input. The XZ1 is probably all I need, but the appeal of having the larger sensor of the EPL series is intriguing---probably my Tool Time Binford--bigger,better, stronger mentality. In reality, about 80% of my photos are snapshot quality, done for memory keepsakes---wow---look at that fish, or what a cool wreck type stuff.
At present, I use a OLY 8000 with the OLY housing for travel, plus a Nikon Coolpix that has a 10X zoom as a land back up. Both are pocket cameras that are very convienent for travel. I never travel with my DSLR OLY---too big for what I really need, especially carrying all your dive gear as well.
I will try to find both together some where and play with them. From what you all have told me, probably the XZ1 is all I need, but my Binford mentality cries out for the EPL!