I can't stand the D40 or D60, I would say get a D80 or D90 of your going Nikon. Those cameras are also going to run a couple thousand dollars. They are like a tank without a skimmer or fish or...water. You need to buy a lot of expensive accessories to make them work well. Like the tank of a reef, the DSLR is one of the less expensive pieces of the greater puzzle.
The D60 would likely come with a "kit lens", but as I stated earlier, I would take a G10 over a D60 with a kit lens.