6 in 1. I think between the two Canon/Nikon, Canon offers a slightly better cost to value. Why not put Sony in the mix? The A850/900 is the direct competitor to the two you listed.

Depending on what gear you've already accumulated, I would just stick with Pentax, you know the system, you have the gear - divorcing yourself from lady Pentax would probably be a costly move, then readjusting and re-acclimating to a new system. They do have less lens, but Pentax does have good coverage across the focal length spectrum. What specifically are you wanting for a lens that you cant find with Pentax?

Further - the best way to shop for high dollar photo gear is online anyway, why spend an extra $300 on sales tax?