Due to limited card space (I just have a 256MB xd card), I would normally use 6M as the standard resolution. And one thing to be noted is that the standard setting of the E550 seems to over-sharpen the image, so I would suggest to sharpness to "SOFT".
You may refer to the review of the dpreview on this camera for reference.
Hello:
I just bought a FUJIFILM E550 camera (because I like your photos.).
Could u please tell me,u use which quality mode {(12M)F or (12M)N} to shoot your photos?
Thanks.