Happy B-Day, Jim.
I would read reviews on your Cool Pix. I would say that when buying a new device.. 1) Are familiar with the controls. 2) What would be your end product, IE web posts, print, etc etc..The more pixels, the larger a shot can be enlarged. 3) Might you want to take the time to learn new, maybe more professional "Bells and Whistles".
Remember, it's the operator not the camera that composes the shot.
I personally use a Nikon D70 and the D5000. 6Mp's and 12.6 MP's respectively. I swap two lenses, a Nikor, DX 18 - 55 and a 55 - 200.
On the 18 - 55, I'll attach a 0.42 X 46 mm Fish eye. On that I'll screw on a ring light. Awesome effect in the eyeballs of subjects and water droplets.
Keep in mind that direction and quality of light, be it natural or artificial can make or break a good pic.
