I will say that the K110D would have a 10.7x zoom at a focal length of around 300mm (digital specific lens) or 200mm (old 35mm format lens). You can find 35mm film lenses on ebay and elsewhere for really nothing. These lenses will give you an infinately better quality than the lens that is on the fujifilm camera. (when I refer to 35mm film lenses I mean to refer to cameras that use 35mm film not a 35mm focal length)
Also the K110D is a smaller sized DSLR, I'm not for sure on this but I'd guess that the sizes are very similar between it and the Finepix 6500. As for carying around the lenses, I don't carry around all my lenses unless I'm going on a photo trip like to the zoo or up the canyon or something, usually you have one lens that is a really good all around lens that you take everywhere. For me it is the 18-55 mm kit lens that came with the camera (I've got the Pentax K10D, I paid over $1000 and it has the same kit lens as the k110D will have). depending on what you want to use your camera for you will not find a lot of use for the 300mm (10X) focal length. I use that kind of glass for shooting animals in large enclosures at the zoo, nothing else really, maybe if you are a sports fan it could be useful at a football match, where you could get a decent shot from the stands or something, for sports you'll also really want an SLR. 55mm zoom like the kit lens is really quite substantial in most everyday applications.
The Fujifilm has face detection technology, it will make shooting portraits easier because it detects a face and adjusts focusing to it, The Pentax expects you to be able to recognise the face yourself and make sure it is in focus
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The saying that DSLR's have a considerable learning curve doesn't really apply to the K100D, K110D, Nikons all the way up to the D200, and Cannons all the way up to I believe the EOS 5D. These cameras all have automatic modes and scene modes that will make all your settings for you, the other thing is that in these scene modes you can make adjustments to the settings on the camera to achieve a different effect. But the Pentax K110D can certainly be used as a point and click camera when necessary!
With regards to taking care of a DSLR, I have a few things to point out! The camera body comes with a body cap that fits over the hole where the lens is normally affixed, this keeps dust and dirt out while the lens is not attached, the lenses come with caps for both ends for the same reason. keeping them clean is not that tricky. A huge advantage that you may have overlooked is that while it is not common to scratch a lens (they really are more durable than you may think), if you do then you can replace it because it is interchangeable. With the Fuji 6500, the lens is permanently attached so if it gets damaged the camera is rendered useless.
When it all boils down, the difference between a DSLR and a "Hybrid" is tied up in image quality, and creative potential. You gan get some great snapshots for sure with the fuji 6500, but with the Pentax you will be able to get some stunning art. It takes practice and learning to do it, but in the meantime you will have one mean snapshooting camera.
Have a look at www.dpreview.com to see what they have to say about the different cameras, they are generally respected as the "authorities" on all things digital photography related and have great, in-depth reviews on cameras. There are reviews on both cameras there, and both recieved "Highly reccomended" ratings. there are also some image galleries with shots taken with both cameras there. Keep in mind that with the Pentax you will need to read the review for the K100D because the K110D and K100D are identical with the exception being that the K110D has no shake reduction.
If it were me, I'd definately go with the K110D and find some very cheap pentax compatible lenses on ebay. You could get a really nice setup for next to nothing (in photography terms of course). Then I'd go out and take as many pictures as I could and learn how to get the maximum amount of performance I could out of my new camera!
SLC