The Lumix series of cameras are both good and affordable (relatively), although most photographers and happy snappers are not limited by their kit. I have a Lumix TZ80 myself as it has both a viewfinder and shoots in Raw (This is a format that means the image can be better processed in Lightroom, Photoshop and so on). The TZ viewfinders are a little small but a lot better than not having one at all and are certainly cameras to be recommended even if they feel a little plasticky, at least to me.
The more pixels you have the better the resolution and hence the higher the image quality. However for most of us this is not relevant unless you are enlarging the image to poster size and above. I can take very acceptably detailed aerial shots with a 12 megapixel camera. The number of megapixels is often seen as the more the better, but remember there is a great lump of glass in front of the sensor. If that glass has the optical quality of the bottom of a milk bottle then no number of megapixels will help. Also the processing that takes place within the camera to produce the image is important. Colleagues of mine will update their cameras to take advantage of the latest electronics, however I am far too mean to do that, and also not sufficiently skilled for it to matter! In fact I have only ever bought secondhand equipment apart from one new lens.
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