I agree with most of your post.
I almost exclusively shot with my Canon S90 for a year and a half teaching myself proper technique. No dSLR not a real photographer. Phewy I say. Lots of people are posers with their big expensive dSLRs almost permanently attached to a tripod for no apparent reason. And that's fine, but I do hold a little bit of contempt to those who still think you need a dSLR to be serious.
I told myself I wouldn't upgrade to a dSLR until I felt I had outgrown the camera's abilities. A year and a half later (roughly) I feel I mostly had. It is an amazing little camera, and have had a photo taken with it shown in a gallery in Toronto. I'm a firm believer that you don't need the best gear to get the best pictures, since photography is not about reproducing reality, but interpreting it. The perfect shot depends on who you're shooting for.
That being said, I did recently buy a Pentax K5 (after literally months of researching the 60d and 7d Canons), but I'm going to exploit the 18-55 lens that came with it until I've pushed it's limits and know it inside and out before I purchase any more glass. If I know the glass I have, I'll be making photos instead of worrying about which lens to use. My creativity will guide me, not the specs of a lens.
My comments were written because you wrote C&C. I always strive to come at pictures with a critique and constructive comments, instead of comments and critiques. That's why I wrote what I wrote.