Cameras - why must there be so many choices..

So I'm going to buy a digital camera. But it is so difficult to decide which one.. I'm going to get one that has an underwater housing. So I've landed on a Canon camera. Canon Powershot to be more precise.. I'm struggeling between the A85, S50 and S60. The A85 is of course the cheapest one. Quite a bit cheaper actually. The S50 I found on sale, but still a bit expensive.. And then the S60 - the most recomended, but of course the most expensive.. I don't know much about photography, so I think that I'm going to go for the cheapest one.. And then if I find out I'm loving it - I might upgrade... But then it would be cheaper to buy a better camera right away.. But then again, I might not use it that much.... Arrgh!!!