If you aren't goint to be printing more than and 8x10 image your are gold with what you have. However, if you shoot and need to crop then the 10mp could be an issue for printing big. The new higher end Cameras may have improved focus based using your AF system. If you keep the 10mp, just make sure you are framing what you want to keep to avoid major crops. If you only shoot for the web what you have if fine as well.
You don't need a top of the line lens. You can take sharp images with the regular kit lenses if you know how to take your image. You don't need L lenses unless your a pro shooting with something like the 1d series or the 5DmkII. There are people shooting professionally with regular lenses. L-glass can take a crappy photographer to taking better crappy pictures. It's the person not just the gear.
Learn the camera and some nice software to process your pictures and you will be King or Queen of all you shoot.
