Myself = sony cybershot user.That out of the way,
Camera Junoon type => get a Nikon/Olympus/Canon Digital SLR
Plain simple user => Sony cybershot
Stylish user =>Casio Exislim
Cheapo user => Mobile camera -> ask the subject to smile wider.
Don't get anything without an image stabilizer. Optical image stabilizer will be better than digital.
From the two choices you asked, IXUS 95 IS is more funky (colors, not easy to misplace), better in technology (Digic 4, scene detection mode) and somewhat easier to manage (built in battery as against AA cells for the Powershot - cells are a pain to carry and recharge). It has somewhat lower optical zoom though. But believe me One does not need a zoom at all in multimegapixel cameras. it is just for mischief, generally ( looking london, snapping tokyo )
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