My black Fed 5C has worked its way up the ladder as my main RF street shooter, especially since I got rid of the top half of the eveready case, and just carry it in the bottom half. Having the built in meter on board is a definite plus. Getting some good shots using a flash as well.
As pshinkaw stated, depends on how much local currency is involved.
Jon, I've never noticed such a black dot in my viewfinder. I'm gonna look when I get home. I hope it truly isn't there and I've just never noticed, 'cause if it is there, now that you've brought it to my attention, it will probably drive me crazy.