While I did have a short and lackluster stint as a stringer photog, I have always done a lot of photography for myself. In recent years, I have stuck with Nikon and Canon and never been disappointed.
No matter what you read, THE GLASS IS IMPORTANT.
This is where phone cameras miss the mark.
Be sure to look at the lens range and not the digital zoom. The digital zoom is an instant quality killer. You can usually do better in post-processing that the device does for this.
What your price target will get you is a high end "Point and Shoot" and that will serve you well.
Something I have gotten to love is the flip around view screen that my current Canon has. I don't know if Nikon does that yet. I have used that for the "hold the camera over your head" shots more than a few times. It has lots of uses actually.
Now for my standard warnings:
Always carry a spare battery when you are out. They are cheaper (and maybe not as good) on Ebay, so get at least two.
Always carry spare memory. If you ever run it in movie mode, you will burn a bunch in a hurry. Keep track in the view finder.
Always shoot at the biggest file type short of RAW. (Raw is just too huge if you don't need it. ~20meg files)
Get a hard case to carry it in. You never know what will happen and I had one taken out by a single bang.
Matt