If you need a camera that is tough enough to withstand the odd knock, and can do a job underwater the Powershot D20 does a fantastic job for the price, otherwise you're better off looking elsewhere.
Get up close with the Canon Powershot D20, and you'll soon see that it's a rugged thing; It feels reassuringly weighty when held; It's hardly a looker, but in terms of durability, it does a job; It may be one of those so-called rugged cameras, but the Powershot D20 is capable of some great shots.
While the Powershot D20 is capable of producing some lovely shots, as a compact camera in daily use it still has a lot to live up to when compared to more traditional compacts; If you want all-round performance you're better off getting a ‘non-rugged' compact snapper.