Rob
TPF Noob!
I've owned a 500c/m and it's one of the best bits of engineering in the photographic world - available now at super-low prices. However, you are young and you haven't got £30 to blow every 12 shots - you're still learning. I reckon, go for a DSLR, once you've outgrown your FZ. But, remember - it ain't the camera!
Rob
Rob