Hi Anita – A few more thoughts for you.
For the money you are looking at spending, the FZ200 is probably going to be as inexpensive a solution as you are going to be able to find. That being said, there are going to be some drawbacks, versus higher end equipment, some of which I mentioned in my previous post.
At the far end, the lens I shot this with (80-400mm) on my crop frame camera will give you the same magnification as the camera you are considering, i.e. a maximum of 600mm equivalency, so for wildlife shooting, you will have the range. Just as an aside, the equipment I was using for these shots cost me about 3 times what you are looking at spending and both the camera body (Nikon D90) and the lens (Nikkor f/4.5 - 5.6 80-400mm) are viewed as medium price range gear.
Based on the metadata, these two bears were around 46m / 150ft away (and I was shooting at 340mm, not the full 400mm). The problem that you will find with the lens on the camera (as with any of the lenses with such a wide range in focal length) is that the lens designers will have made some fairly significant quality tradeoffs to get the extended focal range. You will likely have some fairly serious distortion, ranging from pin-cushion to barrel as you rack through the focal range. This means that things near the edges will look unnaturally curved. Pro lenses never go above 3x in their zoom range to prevent this from happening.
You say that you want a fixed lens camera to shoot in the cold, because changing lenses with cold hands is going to be problematic. If it gets too cold to change lenses, you are going to have lots of other issues too. While I’m sure you get worse temperatures than we do, I do a fair bit of cold weather shooting (we hit a low of -25°C / -15°F yesterday).
First of all, your camera is not designed to shoot when the temperatures drop that low (check you manual). Battery life drops dramatically, the lubricants in your camera become very viscous and your focus and zoom may not work and any moisture from the warm inside air from your home or car will turn into ice crystals as the temperature of your camera body drops. When you head back inside, the camera and lens bodies will be so cold that condensation will form on the outside and inside. Yes, to some extent you can work around some of these issues, but if it gets too cold to change lenses, you do have other shooting challenges too,