I don't know much about Canon DSLRs, but if you go with Nikon, I'd avoid the D40 and D60. They both lack an autofocus motor (which means some lenses won't autofocus, like the incredibly good and cheap 50mm AF 1.8) and bracketing. Bracketing may not be missed by most people, but if you ever get into HDR, you'll miss it. I'd get the D90, D80 or D50 instead. I'd take a serious look at getting a used model from Craigslist. You'll save a ton of cash that way and have money left over for some nice lenses, like the 105mm macro lens.