Tom,
I finally made a microphone choice, the Sennheiser
MKE 440, which is a stereo arrangement, but with "mini shotgun" mics (super cardioid pattern) in a "V" formation.
It just arrived Tuesday, and I've only had limited experience so far, but from my back porch it seemed to cut some ambient noise, but with jets overhead and reflections of traffic noise it was hard to do a proper evaluation. I did notice, though, that it really cut the level of my voice narration compared to internal mics. So yesterday I went to the basement, broke out the guitar, and recorded a partial song (along with my 12-string) both with the camcorder (Canon G-20) built in mics and with the 440 on the cold shoe. This was with the furnace intermittently running and a stereo playing quietly behind the camcorder.
From about 5 feet away, the internal mics captured some fairly nice sound, but with (especially in the quieter parts) some background noise, including echoes from the walls (painted drywall, and carpet). The MKE 440 cut out pretty much all of the audible (to me) background noise, and cut the (slightly) too bright sound of the guitar, giving a seemingly more "natural" sound. The difference was even more noticeable at about 11 feet away, as the built in had a more "hollow" sound with a higher (relatively) level of background sound, while the MKE 440 sound wasn't much changed from the 5 foot run.
I then did something similar with my Nikon 7100 and it really showed how tinny the sound is on the Nikon's built in mics -- sound with the MKE 440 on the Nikon was just about as good as on the Canon G-20, a very welcome improvement.
I really won't know for certain how much better it is (for my purposes) until my grandson's first school concert of the year, and that's probably mid-December, or so, but preliminarily I think it's what I was after. BH has a good sale going at the moment with $24 off and a "dead cat" included at no extra charge (normally $50).