I have loved my D 40, I am a Noob I admit it but it has fit me well. I kinda figure when I find the limitations of the D 40 and am truly annoyed by them that just means it is time to upgrade. It is also a way I can involve my kids, 11 and 15 with my hobby. I do not really worry to much but them hurting it.
This camera will get passed down to my kids, will it have really great glass, prolly not but I just started on this photography road. Btw my first car was not a BMW but it did not mean i did not love it or it failed to do all the things I needed it to do at 16, that was the start of another journey.