Camcorders: Which Sanyo Xacti is the best for average user?

Which Sanyo Xacti is the best for average user?

I've settled in on the Xacti series, but I'm having a very hard time deciding between CG65, HD700 and HD1000. The cost and size of CG65 is great, and might be all I need as a normal person filming stuff for his family, trips, performances, etc. I "want" it to be the solution.

But I'm afraid of missing the next step in format, HD. I don't want to buy another camera in a year or two. Should I worry about this? Do I really need to have my camera be HD? Or can I live with the CG65 as a "normal" user?

If anybody recommends I should get on the HD bandwagon, I'd rather make the full jump to the HD1000, which will be a great struggle for me financially. I just have to move on this soon since my Sony PC115 just died.

So, which Xacti is best for the average Joe?