any chance of some more detail on the default settings to change....? thanks for all your input
Yeah, well, if I were you and I ain't

)) I would go to Av mode instead of Program. Av mode is still and Auto mode but it is easier to set the camera up and control it to do what you want it to do rather than what it wants to do.
1. Av mode
2. Camera strobe in Auto unless using an external strobe (do you have external strobe?)
3. Turn Power Saver Off and set the LCD screen to go 1 or 2 minutes. The camera will wake up with a shake or push of a button
4. Assign the front ring control to +/- exposure compensation and set to - 1&1/3.
5. Set your WB to auto, or cloud or fish unless shooting RAW in which case it matters not.
6. Turn of the Safety Focus, Safety Exposure, Red Eye, focus assist light etc
7. Set exposure metering to center weighted
8. Set focus to spot
9. For best IQ I use ISO100 but the S90 can shoot good quality images up to ISO400 and do not hesitate to take advantage of that for ambient light shooting, it is one of the strong points of the S90 vs the G11, the f2.0 lens--use it!
Why Av mode, well, the S90 is a very responsive camera in the Av mode and as well it is good practice for shooting in Manual without giving up the convenience of auto exposure, a twist of the ring control allows you to dial in more or less exposure quickly and easily.
If you have a specific question I can try and answer.
James