Don't be too put off. If you grab the memory cards on ebay you'll save a fortune
For example make sure that the camera has a decent quality lens or all the other bells and whistles might not be worth much. In many cases the traditional camera manufacturers will have better lenses but shop around and make sure to read as many reviews as possible.
What is regarded as a decent quality lens please? I was tempted by a Sony but put-off by the price of the card.
Any reason you have omitted Canon from that list?
By "HD" do you mean High Definition on a digital video as opposed to still camera (still cameras usually have basic movie capture built in but I'm not sure that they normally have HD?). I'm not sure how important these bells and whistles are generally but it really depends on your needs. I'd say that I use about 5% of my camera's features to be honest!
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