So,would I be right in thinking that both are going to give you virtually the same image right out of the camera (to the naked eye), but that with NEF you can pull more out of the shadows and highlights in post-processing than with JPEG? Assuming that's a 'yes,' then if you process the NEF to tweak those shadows and highlights, then convert to JPEG, will you be losing anything significant when you convert it to JPEG? That's what I've been doing, but I don't have any pro uses or aspirations for my work. Mind you, I do want the absolute best image I can get, but it's as a challenging hobby. I don't even use my best camera for holiday and birthday shots.