72dpi is the highest resolution viewable on the computer screen. 72DPI is pretty low-resolution and managable by a lot of cameras which does not sport a high (3-5) "megapixel" rating. The higher resolutions are need for printouts, and thus the demand for high "megapixel" cameras. If you are not intending to printout, then the megapixel factor should weigh less on your buying decision. You should consider other factors such as, portability, lense zoom range, ease of use, full-auto vs. full-manual modes, media type, and price.
Megapixels aren't everything. The megapixels will just get cheaper and cheaper as time rolls on. The camera has to be able to capture alot of information "properly", otherwise you just get crappy pictures that are really large and slow to upload, hard to manipulate and huge on the screen.
Digital imaging is a craft. It involves two skill sets - studio photography and digital image manipulation.
Look for a camera that has a good "macro mode" (this is camera-speak for magnifying glass). Also get some good flexible lamps and get a tripod.
Use photoshop or any other image manipulation software that will allow you to resize, change resolution, and crop your images.
Go to dpreview.com. It is an excellent resource for choosing digital cameras.