There's a difference between what you see and what you get, but that's not the real issue. The pictures are far too dark in florescent and incandescent light. It's better with the flash, but they're grainy and washed out, and still too dark. If you have lots of sunlight coming in through windows, it's not as much of a problem.
Every camera phone I've ever owned has taken much better pictures in dim environments without a flash. And they all had a feature that's missing on the Droid: a brightness control. Why are there no controls for brightness or exposure? I know this isn't a high end digital camera, but it's one of the best phones on the market, and I paid a decent amount of money for it, so I expect it to do better than my old flip phone. It's obvious that a simple software update could fix this, as others have noted that the exposure starts out ok, then the Droid quickly darkens it. At least they could install a brightness control.
I contacted Motorola through their email support on the website, but you know that's just going to a Tier 1 rep's inbox, and probably never will be seen by the right people. Sure wish there was a better way to get attention for this problem.
Otherwise love the Droid, hope they will fix this!