ISO 200 would look better than ISO 100 since ISO 200 is the sensors native base. As far as the jpegs versus NEF, the jpegs are made from the NEF using the camera settings. The NEF being a raw format won't be using the camera settings. To judge the NEF vs jpeg, make sure that you use a raw convertor that shows the NEF using the camera settings. A lot of raw convertors do not use the camera settings when showing NEFS. As far as examples, there are plenty on the web from reputable professional photographers. You may want to check out D1scussion or NikonDigital.org. Those forums are more working professionals than amateurs and the info is generally rock solid.