I have seen a LOT of Craigslist D40 and D60 outfits lately, at some very fair prices. A lot of people who bought the two-lens kits with the 18-55 and 55-200mm zoom package are selling them as they move up to the Nikon D90. Keep in mind that there are TWO 18-55mm and TWO 55-200 zoom lens models; there are those that do not have the Vibration Reduction, and those that do have the Vibration Reduction, so, the prices and the value of the various kits varies slightly.
In my mind, the 55-200 is the lens that will benefit the most from being a VR model, because indoors, yuo will often be using flash with the 18-55mm lens, but outdoors, having VR will help when doing slow-speed panning, or when it's windy, or you're a bit out of breath, or when shooting kind of fast and loose; under those types of conditions, a telephoto zoom lens with VR is very helpful!
I have seen D40 and 15-55 + 55-200 two-lens kits in the $425-$525 price range, which seems fair to me for lightly-used amateur-owned gear. You night be able to exert a slight bit of negotiating leverage by audibly noting that, "Oh, this is the basic, non-stabilized lens model,and not the VR model," etc.etc. Craigslist is a horse-trader's marketplace.