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Digital cameras...which is the least expensive, most user-friendly and had NO delay between snapping the shot?

and it Capturing the moment?

Digital SLR's have virtually no shutter lag at all.

If you pre-focus by pressing the shutter button half-way down while aiming at your subject - or where you anticipate your subject will be when you want to take the picture - it will help considerably. You can set your camera in "Sport" mode or "Scenery" and this will minimize the lag. If you do not use the flash, it will help. If you turn off "face detection," it will help. If you turn off the LCD monitor and use the viewfinder only, it will help.

Some point and shoot cameras are better than others. I have a Canon Powershot SD900 that seems quite fast to me. If you go to http://www.dpreview.com and read the reviews (once they are available for the cameras you are considering), you can go to the page called "Performance" and see exactly what the tested shutter lag is, as well as several other performace benchmarks.

Here's a link showing a chart of various cameras and their shutter lag as well as the time it takes to shoot five frames. You will not see any DSLR's listed, because they have no shutter lag. If you click on the column heading, such as "One Shot," the chart will sort according to that measurement.

http://www.cameras.co.uk/html/shutter-lag-comparisons.cfm

Pick the one closest to the top that you can afford.

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