Are underwater cameras different from normal cameras (apart from being waterproof)?

I have a Nikon S200 with Fantasea FS-200 underwater housing. If I bought a camera that was specifically sold as an underwater camera (eg. The Fujifilm FinePix XP10 - http://www.amazon.co.uk/...00342UTNY/ would it be any different or does it have any special settings or something. Or would it just be the same as my current camera?

The only difference is that the XP10 does not need a housing.

The FS-200 is a robust underwater housing with double "O"-rings and can stand depths down to 60 m vs the XP10 3 m.

I prefer to add a housing when necessary for underwater work. Depending upon the seals on a camera like the XP10 can be risky

"If you are looking for a new camera, that will be your only camera, I'd recommend you look elsewhere. For the same money you can get a cracking camera with better features that isn't waterproof. Having the waterproof case in a camera will always be a compromise, so you have to expect this regardless of which model of camera you choose. That said this model's great if you have the need to buy a cheap water proof/dust proof camera, that will allow you to take a few snaps while sailing, swimming or lounging on the beach, then this could well be what you need." -- M. P. Cochran, Amazon review

But this one. http://www.amazon.com/...002LITT3I/