I've not used the camera USB for transfer, instead just placing the card into computer's built-in card reader and copying the full card to a file on one of my HD. Very fast taking only a few minutes for several GIGs.
Just uploaded my first batch of 720P videos to YouTube.
These are four episodes of model plane water-fly fest using the ZS3 in AVCHD mode. Recorded all audio on a separate recorder using my 'homemade' headworn stereo-surround mic + windscreen + balanced output preamp feeding the Line input of M-Audios original MT1 deck working in 24bit/88.2K mode. Used CyberLinks Power Director 8 importing the video and raw audio directly into the timeline without any need for conversions.
Did the swap of camera audio for stereo-surround audio and pressed the button for direct YouTube upload all onside this one very low cost software program.
YouTube seemed to handle the cameras edited MPEG files converted for upload via converted .WMV files more efficiently than any other tact I've used before, and this audio/video YouTube converted quickly with excellent quality. I'm finally satisfied with editing ease, upload time, and YouTube conversion time/end quality of ZS3 projects.
If interested, go to YouTube and search for GuySonicStudios (
http://www.youtube.com/results?search_query=guysonicstudios&search_type= to see a list of my uploaded videos finding the newest 720P model airplane series as example of what the ZS3 can do for video quality and substituted audio.
These videos also linked to:
www.sonicstudios.com/mp3.htm#Umpqua_plane_club