I got a D40 with the 18 - 55 and 55 - 200 lenses for $434 last February. I love the camera and I am able to take great pics with it. The D-90 is way out of my price range.
The D-40 is a great buy and covers most of the features carried by the 60 and 90.
I went for the D-90 for its video on an SLR feature and my purchase was a “last I’ll ever buy” type purchase. I figure that it will last fifteen to thirty years and that matches my trajectory for my brain. LOL.
The lens was about as much as the body and except for low light portraits I never have to change lens. I got the big seperate flash to give me dual slave capability and a 1.4 50mm which shoots like a 75 with the lens factor.
Like I said — once in a lifetime type purchase. Its the only SLR I’ve bought in 17 years — I was still shooting film