I've been looking this one up a bit more, and I think what you really want is a high quality web cam, not the cheap kind that most of us get. I looked around, and found this article. The winner seems to be DIGI INTERNATIONAL 301-9010-01 Watchport/V2 USB Camera. Granted, the article is a few months old, but I would hope it's still decent. This webcam is normally used for sensitive areas, like ATMs, surveillance, etc. The cost is a bit high, but not unreasonable, $142.
EDIT: Based off of your latest requirements, I'm going to change my suggest to the following:
Olympus Evolt E-500, 8.0 Megapixel, SLR, Digital Camera Body (Black)
Olympus 14-45mm f/3.5-5.6 Zuiko EZ Zoom Lens for Olympus Digital Cameras (Four Thirds System)
Get them together, it's around $300, but I can't see how you are going to get everything you are asking for for less than that. Plus you'll have a DSLR, which'll help you with a lot of things in the future.
I just can't find a better deal around, perhaps someone else will...