Not your typical Which Cam question

Hi,
Just two days ago I bought a Canon HF200. Seems pretty good. Aside from with working with HD video, I guess I like it!

That said:

I have 5 days to return it for a FULL refund (30 days to trade in)
I paid $550 for it (B&H has it for $549)
Anyway, I have $100 more bucks to spend on a camera.
My question to you all:
Would you trade it it for a HF20 (with its built in 32 GB RAM)
Or
Keep it and spend the c note on, Extra batteries, Hood, and filters?
Or
Spend $650 on a completely different camera?

(Im keeping memory cards out of the discussion as memory is such a volatile market and I plan to scoop up some cad when RAM cycles down again, I can already get 32GB of cards for less than the price diff between the HF200 and HF20. (I have cards to keep me busy for now anyway)
 
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