I think the bottom line to your question Dawn is it can't hurt to have both options... unless you really prefer the Nikon, in which case here are a few more points in favor of the viewfinder-less option...
Viewfinders on point and shoot digitals don't show you the full coverage area so they are useless for true edge-to-edge shot composition. This may not be an issue for you if you are more of a snapshot photographer.
Viewfinders on most point and shoot digitals are relatively small and dark, and not so clear. They don't see through the lens so they aren't nearly as nice to use as traditional 35mm SLR viewfinders.
If you use the viewfinder you are sure to get oily nose prints on your LCD unless it's a flip out design.
Viewfinder-less camera are not difficult to use, but yes they are different and take some getting used to. Holding a camera to your eye is not "natural" but yes it is the traditional way that many of us are used to, and not everyone wants change. LCD screens do not need to be held at arm's length to be used, they can be held anywhere from arm's length to a few inches away. Holding them at arm's length can actually be a huge benefit, especially if you want to compose a shot from a couple feet above your head and actually see what you're going to get on the LCD (can be very helpful shooting indoors over crowds of people), or for more creative angles. Good LCDs can make from-the-hip shooting an effective possibility and you can get some really cool shots this way.
One point in favor of viewfinders: LCD quality out there varies widely. Some LCDs don't stand up well to viewing from an angle (Once you get to 10-15+ degrees off center you can't see the picture anymore, like on those cheezy airplane televisions built into the seatback in front of you). Other LCDs are not bright enough to be very useful in bright sunlight. Since this is a primary concern for you I'd recommend checking out the cameras you are looking at in person at a local camera shop.
All this said, and although I use the LCD almost exclusively, I still prefer my point and shoot digitals to have a viewfinder. Use any camera long enough and every situation is likely to present itself, including ones you couldn't have possibly foreseen. Best to be prepared.
Good luck.