Pros Small size, optical viewfinder, manual zoom, in camera RAW processing, "old-school" styling.
Cons Not quite as solidly built as it would appear:
I dropped it (on a carpet) and had to have it replaced because of a "lens control error".
The thumb grip eventually fell off.
Not quite small enough to carry in a pocket.
Summary I am VERY pleased with the X-20.
For it's size I find it unbeatable.
I would definitely recommend it for someone who wants a "serious" but compact camera.