I'm maybe reading this a bit late, but I see you want the camcorder for 'family videos and the like'. Well so do I, holidays and so on, but I dump about 75% of what I film, though it varies depending on the subject. You may think you only want to top and tail, but if you film one thing, then another, then the first thing gain, you'll want to group like stuff together, reshuffle. Also, the sound would be jumpy, much better to add your own while editing.
Once you start editing, the whole thing grabs you, (it did me) you want to produce the best you can, and you could end up wishing you'd gone for mini dv to start with.
Win XP, Athlon 1.8, G force 3 T, 1 60gig drive + 1 250 gig, Pinnacle Studio 9 plus mostly, Premiere 6, and Vegas 5 sometimes, Soundforge, Cool Edit.