Personally, I discounted the X10 and the G-1X. Anything that has an optical viewfinder that isn't even close to 100% horz/vert and shows feedback indicators from the camera is not useful to me. Let's face it, I don't want to be guessing at framing when there are so many other factors to be paying attention to.
The Olympus VF is pricey but is well worth it. I had the VF-2 (just after Fukushima so the $ was doubly dear) and it was worth every penny. Look at it this way - if you're willing to pay 500 bucks for a good camera with a VF built in, then the 399+250 (XZ-1 + VF-2) is within the range. And the advantage is that when you really want to go light, you just pop it off and there you go. If money is a concern, go with the VF-1, slightly lower res, but just as useful and has a good posi-lock on the hotshoe connector.