DSLR v Consumer Image quality

I am in the category of having changed from film slr to consumer
digital for the last 3 years. I am dithering over purchasing a dslr,
because image quality is my thing. However, I have been pretty pleased
with Nikon and Panasonic Lumix FZ consumer cameras, especially the
latter.
Considering only image quality, up to A4 prints. DSLR users talk about
their superior image quality, but when I go to say, Steves Digicams,
and compare on-screen a 200% enlargement of the same image, far greater
than real life, I see very little difference in quality between a D70
and a FZ20.
Giving up the portability of a consumer camera for a far more expensive
DSLR system (my film lenses are Olympus and I'm not impressed with the
E300).......is the image quality worth the difference? Or better to
wait a year or two yet?
DonB