as far as i know, all digital cameras record the amt of pixels
on the CCD and that's fixed. so a 3.2mp cam will record 3.2mp worth
of picture, it's wat size the STORE it at. so if u want to take 1mp
pics, the cam will still take 3.2mp, and store at 1mp by resizing
in the cam.
so it really depends on the algorithm of the cam vs the algorithm
of the software on ur computer for the downsampling. which
algorithm is better? i wouldn't have a clue. but this is the logic
i take:
a 3.2mp cam can cost as low as 400. photoshop costs 900 (or more)
and is a software for doing photos and digital imaging. i would
rather trust photoshop, than the cam, where the optics and ccd
contribute most of the cost.
but of course that's just my views. 