Im not sure what the "question" here was, but at least for me "credible" is not enough, i wont incredible
If i want just basic shots, i can take my w90 with me and in good lighting i probably cant see a difference between the pictures taken with the two cameras. But, whenever i need to use flash, or the surroundings are not well lit and i need to increase iso speed or i need fast focus or i need large apertures or ANY number of reasons, i take a dslr with me.
It does come down to what you need your camera to do for you. If you are happy with regular snapshots, then it may well be that you need no dslr at all.