I'm also not a professional, nor am I an expert. However, after reading through countless threads like this one, I settled on a Canon Vixia HV30. I've used a friend's camera which recorded to hard disk, and had a very difficult time changing the format to something that could be used by iMovie or Final Cut. (This resulted in much research also, the end result of which was downloading mpeg streamclip and cherishing it from that moment on.)
Tape-based recorders do take longer to import the movies onto your computer (same amount of time as the tape's duration, of course), but I've never found that to be a huge inconvenience. They're imported in .mov format, which is very convenient, and the net time - import AVCHD/convert to .mov vs. import tape to .mov - is probably roughly equivalent. It's been a year since I did the AVCHD import/convert, though, so don't remember time exactly.
I also got the Canon for around $700 a year ago, and it's less than you'll pay for an HD-based camera. Or a decent one, at any rate.
Good luck...there's no "right" choice, and no forum will tell you unanimously and definitively which camera to go buy. I'm happy with the camera I chose, for whatever that's worth.