If you go digital, and decide to go with a P&S camera, try to find one that let's you set the focus point, and some let you play with manual exposure.

I had a Canon A520 which let me set the focusing area for wide area, or just use spot for focusing area, and I could adjust the shutter speed and aperture (to be honest, I didn't really played with this settings, only the spot auto focus).

The P&S camera that I use while mountain biking is a Canon SD700IS, which is very nice, fast, good pics, but the camera decides where to focus on, and I can't play with lens aperture and shutter speed.

What I think is that if you're just intrested for digital media in using it to photo products to sell, a digital camera will be simpler and faster than going to develop the film and have it scanned, however good the photo store. For that purpose a digital will be more convenient.