Hi,
The only thing about more mega pixels is that you can have bigger prints made from the digital images. If your going to only use them on the net then 3.1 is fine. Because computers screens are only 72 px anyway.
But the larger memory card is nice... What happens when you go on vacation for a week, and don't have your computer to download them to? Your limited on the amount of pics by your storage ;-)
Check at like Wal-Mart or stores like that & watch the sales... I have found 264 meg cards for $49.00 after mail in rebate ;-)
Denny,
Studio Twenty Eight
http://www.pineapplepink.com