Thanks everyone for your input. After (over-)researching everything I bought the D40. It arrives late this week. For some reason, I think probably a small stroke, I bought it from wolfcamera.com for $599 instead of newegg for $549. Oh yes, I remember why: Wolf was offering a $50 gift coupon which I misread as a $50 rebate. Stroke, right? But no matter: the same stroke made me forget to buy a second battery (something I routinely do) and it costs $50. Done.
Thanks again.
-K
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