not wide enough
For good shots underwater you'll want something that goes a lot wider than 35mm. Even in shallow water you need to get pretty close to coral etc in order to pick up the colours properly.
Go on, admit it, when you first clapped eyes on Canon’s PowerShot D10, you thought: “That’s a kiddie’s camera!” Well, the PowerShot D10’s bulbous shape, large buttons and brightly coloured face plate certainly give it the air of a child’s toy, but it’s really designed for outdoor activities like, climbing, snorkelling, …
I'm sure I wont be the first person on here to say the outdoor shots look totally washed out, even blurry, not only overexposed as you put it, as the optics are responsible for these poor shots, not the light metering. The only decent ones were those aquarium ones and even the top two of those looked pretty bad. The telephoto shot of the church is so bad its akin to cameraphone quality optics.
Send it back, get another one, re-review. Or maybe just de-grease the lens?
BTW How the hell do you guys get away with photographing police vehicles and officers!? Albeit an extreme close up in this case. "You're knicked, terrorists!"