I've been using a ZS3 to record music around Austin for a couple years now (about 700 videos) and my complaints are few:
1) vertical flair from bright lights (I avoid the lights mostly and zoom more than I would otherwise.)
2) zoom is jerky (really have to go easy on the zoom lever)
The audio from this little camera is fantastic! The 12X zoom is perfect for the smaller venues that I frequent.
Here's the first video that I shot with my camera, it's handheld, but I use a monopod for almost everything I shoot now. Check out my channel for more vids.
You Shook MeThe only "accessories" I carry for the camera are a little piece of foam I use as a wind shield for the mics, and a plastic, frozen orange juice can stuffed with foam that I will use to isolate the monopod foot in really loud clubs.