Iain,
I'm sure you will get a multitude of opinions on this subject matter that might ultimately lead to another irresolute discussion of which camera system is better -- prosumer or DSLR. While this is a topic I prefer to stay far away from, your condition had prompted my response.
I was in the same boat you're on for the last month or so and, like you, was doubtful of whether to make the switch from my Olympus 5050 to the 20D. I had purchased the 20D some time ago and really enjoyed using it topside. As you know there are a lot of beneficial options that come with shooting a DSLR - faster focus, better optics, no shutter lag, etc. These benefits do not disappear when you're underwater and in comparison with a prosumer camera they offer a versatility that is leaps and bounds (to some degree) over shooting with a prosumer.
Ahhh.. But if it was just that easy then my response to you would not be so long. Having purchased and used the same setup you are now considering there are a couple of points I would like to make...
The Subal C20 -- it's an engeering marvel of perfection. I don't think you will be disappointed with it if you decide to dump that big lump of cash into it. Now should you do so... only you can answer that. There are alternative options that are easier on the wallet and the soul -- the Ikelite housing being at the least expensive extreme. I think the Ike housing is fantastic. I've got a video housing from them and that darn thing is bullet proof -- literally (okay.. almost. LOL). Everything works on it perfectly and it handles as much of a beating as I would think a Subal can. The important thing is that the housing is not going to make you a better photographer -- it's more likely to drown you from having to push around the equivalent of a mini sub underwater. Yes, the DSLR housings are quite a bit more work to move around than the prosumer housings (I'm comparing my PT-015 to the Subal C20 with the same strobe setup on each).
I considered both these housings when making my purchase. The winning decision-maker between the two came down to the speciality of shots (ie. ridiculously extreme macro) I envisioned myself doing. Unfortunately, some of it is beyond the means of the Ike housing at the moment (I wish it wasn't so). While not everyone really cares about such levels of photo taking, this was something I REALLY wanted. YMMV. I'm sure I'm just barking up a tree here and you're already familiar with all this.
Now what I really wanted to get to was the difference between shooting a prosumer and a DSLR underwater. As mentioned above, the great qualities that make a DSLR are a real pleasure to work with underwater. You'll easily get photographs of critters that were not easily attainable (notice I didn't say impossible) with your prosumer. But everything is not all wonderful and great in Digital SLR Land. With the switch you lose one what, for me, was the biggest issue -- versatility. You will no longer be able to shoot macro and wideangle on the same dive. You'll get wonderful, super sharp macro photographs of the eye of a whale shark or spectacular Where's Waldo the Nudibranch photos! That's a tough one to deal with if you're more into simply getting the shot than into attaining the highest level of perfection in a photograph that you possibly can. Some will say it'll make you a better diver/photographer because you'll concentrate on one type of subject.. Hogwash! I might have had a shark or two pass me overhead while shooting something macro but the option was available for me to get its shot should it happen to start nawing on my fin while I was shooting Waldo The Nudibranch.
Size matters! With a DSLR setup you're also lugging around a lot more stuff. I don't care how compact the housings are.. The Subal C20 is incredibly small but it big enough that it requires me to work a lot harder when I'm in a current in comparison with my PT-015. Personally, I also hated the fact that I lost the capability of shooting those little crappy videos with my prosumer of rare moments that a photo simply can't do justice to it. Lastly, the PRICE!! None of this underwater photo stuff is cheap but it sure gets a lot more expensive when you're suddenly moving up to a DSLR -- at the least, it's a nice two+ week trip to Wakatobi or something like that.
Sorry if I'm just making your decision harder. I will say -- I'm happy with the move. Partly because my 5050 will still be coming along thanks to my very generous dive buddy who will serve as a dive sherpa (thanks Fritz!). Once again.. YMMV. Ask yourself what you really want to accomplish with the DSLR and whether you wouldn't be able to achieve it now with your current setup.
My dos centavos.
Laz