I always use the highest quality as well. When you want to make prints of the pictures you'd better get the highest quality to make them look better anyway. I use my camera a lot to make pictures that I'll edit in Photoshop afterwards, so I usually need a high quality anyway. I have a 256MB memory card, so a lot of pictures will fit until it's full. My advise would be to get some spare memory cards as well. They're quite pricy though compared to the camera... that's the only downside of it.
And even if you hate reading manuals, you'll miss out on so much functions if you don't do it with digital camera's! Usually there's a lot more possible than the old film camera's, so it's best to force yourself to read that damn manual :P. You'll enjoy your camera even more!
Today I'm off to buy myself another camera

I've got just a simple point & snap camera now and I just really need one with more manual features, rather then just all the automatic functions. So I made a deal with my parents who needed a simple digital camera & could easily take my old one

!