OK, thanks all for your feedback!
I'm too dumb to sort out F-stops, ISO, etc., etc. for manual photos.
I can set my camera (s) to "night scenery" but the better Lumix
flares everydamthing.
The little $28 Lumix FH20 does not have that problem.
I can set my 'better' Lumix to stop flaring lights on night photos - but other than the light source the photo is too dark see the subject..
The little FH20:
The bigger ZS-50:
I use the tripod and self-timer to get the clearest night shots.
Anyway - since 'night shots' are my bread & butter - I think I'll just keep firing away with the little FH20, until the sun comes up.
No problem admitting that a camera is too smart for me.
O.S.