I've used an Olympus
Olympus Shock-Proof, Waterproof, Freeze-Proof 14MP 3.6X Optical Zoom Digital Camera Bundle - White at HSN.com
for many years.
I think the freezeproof and waterproof design are essential. When I go skiing, I can carry the camera in the outer pocket of my ski coat, ready to use. When sailing, I keep it in a pants cargo pocket, again ready to use. If you get hit by a wave, or a sudden rainstorm, it'll just keep clicking.