1) In term of features, DLSR is a better choice. So when I need features/speed/reliability, I takes a DLSR, not a m4/3;
2) When I need handy and convenience, wherever I go with me (隨身), I want a small, pocketable (mean it can be put into my pant pocket) camera, m4/3 is a bit too large. Especially when it equipped with a zoom lens, the T shape is not convenience to bring.
So, I decided on S95.
I think, if I don't have a DLSR, m4/3 worth to consider.