As I understand it, optical zoom doesn't lose quality but digital does.

I have 12 optical zoom and they are as sharp as my hand is steady 😄
There's no doubt when taking something small ( bird in tree ) at full optical, a tripod really is needed, but if taking something larger, find I usually get away with it handheld and on sport setting 🙂

I wouldn't want a DSLR to be honest, can get all that I want to keep me happy from my S5 :-)