Trying to decide on a digital PnS

[agphotography]

So I'm set on one of three models (I think). The Fuji X10 and the Ricoh GRD III & IV.

I realize the X10 is a very different camera from the GR line given that it has a zoom and a slightly larger sensor. (Though at these small sizes I question how much it will really be an improvement)

What I do place value in is having a small camera that I can keep with me every day that delivers "good enough" image quality. I also want to have a small digital that I can take with me when I go out with just my Hexar AF.

So my question really boils down to:

Is the Fuji X10 truly a noticeably better camera than either Ricoh? (in regards to image quality, I realize the convenience factor of that nice zoom range)

In the case of the GRD, is the IV really that much of an improvement to justify its increased cost?

Regardless of which one I choose I'm looking to buy one second hand so I can save a bit.