Well, most opf those options you've quoted would come under the heading of 'more serious' user to me. If what you want is 'general family stuff' then you want point-and-click really don't you rather than full manual control of exposure and the like. So for that a budle of those option becomes somewhat irrelevent really.
For edittign the footage later, miniDV is a prerequisite so do not be talked out of that. You'r enot likely to get 3CCDs for that money. Are you really likely to film 'Johnny's trip to the zoo' wearing headphones and with a big shotgun mic attached? Top loading is handy if you run it on a tripod often. You see some bottom-load and so have to be removed from the tripod to change tape. optical zoom. The trick here is ignore and never use digital zoom. The better the 'optical' zoom the better
other than that it's all good and really down to persoanl taste. I'm loathe to recommend a specific one as you might not get on with the same things I would. Just get to a shop an spend some time playing with a bunch to see which 'jumps out' at you. Then buy it cheaper on the interweb