Simple - get both -
get a worthwhile dSLR - eg: look for used K-x or K-r - both are outstanding IQ for low $$.
and get a controllable compact like of the Canon G-series.
The immediate previous G's were the G12 and G11 - they may have dropped in price used by now since the introduction of the G15.
Compacts as their name suggests are smaller and lighter and easier to carry around - so it encourages carry - what's the use of the world's bestest dSLR if it's at home.
No, the ultimate IQ is not as good as a good dSLR -
BUT at low'ish sensitivities most compact do not give much away to dSLRs -
you can judge for yourself - I have a whole thread -
$80 p&s compact thread (
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I am not necessarily suggesting the Canon A1200 (which can be found as low as $35-44 refurbished from Canon! - as it's almost auto-everything)
but hopefully it shows that even a cheapo p&s compact can manage respectable results.
Hope that helps