Thanks for the sound advice. I do need to get out there and shoot shoot shoot.
By "versatile" I was thinking about having only one lens instead of multiples. At the time I was thinking either the 18-200 or 18-300. Based on the many replies to my post and other documentation it seems that one lens really can not do it all. As far as "what sort of pictures", I just want good quality pictures that well represent our river cruise i.e. landscapes, architecture, inside historical buildings.