Seriously speaking, I will never ever, I mean never ever get an LX3. But this is only my opinion.
Why? You have an extremely limited range (Personally I like long range.) And the price. I think the least you can get it for is 650? with another 300 more you get a dSLR + better than LX3 lens?
Do note that the strength of the LX3 versus the FZ18/28 is probably only the max aperture. But at 50-ish mm zoom with the LX3 you have F2.8 and FZ18, at that range you have F3.2, are you that particular?
I'm not sure what other goodness there are in LX3, I know its an extremely good camera, but for a PNS, its not worth that kind of money I feel. Get a dSLR if you still insist on the LX3.
FZ28's price is also not that reasonable IMO. =X But at least you got a super long zoom which you cannot get for this money on a dSLR.
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Those who tried the FZ28, did you try the ISO800 on it? Hows the noise?
Anyway I think we need to expand this thread into a FZ18 + FZ28 family thread, if not we have very limited opinions... So far we don't hear a lot of the FZ28-ers, their thread is very short too.
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One more thing I wanna seek a general opinion. If I am looking to buy a CPL filter, should I go for 46mm or 55mm? I have the DMW-LA3 so I was thinking, might be a bit better if put it infront since most of the time I use the LA3 as a hood. Or i might have difficulty reaching/ mounting it. But theres going to be a price difference :S