Blurryness has more to do with the camera lens and camera shake than the
software programs. Bitmaps (BMP) are for the simple drawing applets like
Paint. PSDs have no compression at all, as with TIFF and RAW are all
'loss-less' files - nothing is ever 'lost' if you adjust the picture.
Also your monitor is set at a resolution of 72ppi and pictures often
look a bit off on a monitor. Text on the picture will always suffer
because of the transfer from a vector graph (the true-type scaling
software) to pixel-based text. Your only way to minimize this is using
larger text on bigger pictures. Powerpoint presentations usually retain
the vector graphs so text remains crisp even when blown-up for
presentations.
If you are getting a lot of blurry pictures you should invest in a good
tripod and also check to see if the camera lens is clean. If your camera
has the feature to make an audible 'click' when the picture is taken,
try switching it on.
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"A hedge between keeps friendship green" 
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