Mike;
I'm in the same boat as you. I've been using a Coolpix 880 and have become frustrated with the limitations. I will be following this thread and hopefully extract some good advice from it.
I went to Sam's, WalMart, and Target yesterday looking at cameras. I saw the D40, D60, and Rebel XT with the 18-55 kit lens.
Not to try to hijack your thread, but is 55-200 a macro or tele lens (or a combination)? I want to take "regular" full shots and also macro shots. Should I be looking at buying the camera body and then another lens to cover the whole range? What to the number mean? Which end is the macro capacity?
As you can see I'm a little confused. Thanx for allowing me to comment and ask questions. I'll be watching and maybe we both can learn how to buy the right stuff the first time!