Optical zoom actually moves the lens to zoom in on the subject, as a normal camera would. There is no loss of quality. Digital zoom just enlarges the image, causing quality loss. IMO, there's really very little point to digital zoom, as any image editing program will do that for you. Basically, don't believe the hype about 400x zoom, or similar figures - just look at the optical zoom rating when making your decision.
While you can use a digital video camera as a webcam, i've found it to be quite annoying to balance it properly to get the image desired. Given how cheap webcams are these days, i'd buy one seperately.
As suprasteve has said, you really need to decide what you want to use first. Reasonably priced digital cameras are very limited in their ability to take videos. You're usually restricted to short, low quality takes.
Here's a couple of articles you may find useful:
http://www.scrapjazz.com/topics/Phot...graphy/414.php
http://www.photoxels.com/article-opt...ital-zoom.html
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