Not the F50, go for the F31fd imo. 12mp is stupid in a compact, for what it is going to be used for mainly in most circumstances anyway. Only thing 12mp would give you is stupidly sized pics that fill a memory card in 10mins. 3x optical zoom is pretty common in most compacts, if you want zoom you have to go bridge camera generally.
Megapixel = nothing on a compact. From initial looks at the F50 it seems to be better for outdoor although probably negligible and with the jump to 12mp and sensor means more noise. The noise bonus was what made the Fujis stand out before for anyone with sense. Image stabilisation is not a substitute for high ISO unless you are shooting completely static targets and in that instance get a tiny tripod.
If you want a fairly no thrills camera the Ixus 60 is alright, very compact and stylish and is generally pretty decent.