Reg has a point though, how can you spend $700 on a body and not know anything about it. Granted it is the beginners forum, i know my money doesnt go on trees so when I embark on a $1000 purchase, i research the hell out of it. With that being said, the crop factor is not necessarily bad, it just means that the focal length equivalent on your camera is 1.6 times what your lens is (as compared to a film or full frame digital). A 50mm lens has an equivalent telephoto view of an 80mm lens. Not bad, good when trying to get in close to subjects, bad when trying to get that wide angle shot. (10mm lens shows up as a 16mm lens). Overall the XSi seems like a good camera minus the slow memory card.
Nick