Usually, not always, but usually, if there is something wrong with a refurbished or new, it's going to happen sometime soon, well within the 90 days. That said, one never knows. Nikon, like Canon and Sony, make good stuff. Usually not a problem. Refurbished cameras are interesting, many on this site have the unrealistic view that these cameras have been comprehensively inspected by a team of experts, nothing could be further from the truth. Most refurbished have been returned by folks who just did not like them, or, have had a small glitch. That glitch has been repaired by a technician, could be an experienced technician, could be a guy on his first day, any way, the point is they fix the APPERANT problem. They do a check to see if the camera is within SPECS. They DO NOT do a comprehensive check, that costs money, but they do make sure the camera is operating within guidelines. SO, like I said, these refurbished cameras are a good value and should operate as new, if they do not, they are going to do so within the 90 day period, and most camera manufactures, if these refurbished cameras need service, will take care of you. Good luck and keep on shooting until the end.

Why do you all assume that I had no experience with the camera? Actually I had used the camera for several months before my trip. I knew it had some limitations and would not perform like a dslr. It was a trade-off.

Because I was looking for candid shots, I used the auto setting. I am not a novice and publish multiple photos in an all color monthly magazine.

The point I was trying to make was that next time I will take and use the best camera and lenses that I have, thereby increasing the likelihood (but not guaranteeing) that I will be satisfied with my results.

If you believe that the zs50 is able to capture the same range of subjects under varying conditions as an 80d, you are entitled to your opinion, but I doubt many would agree with you.