Ok thanks a ton guys, Not gonna get pass on the VR !... Moneys in the bank... Gonna order my camera today! ( just not sure which one)....
Im still debating on the refurb from adorama because of the short warranty.
Good choice for the lens id go refurbished for sure. For the camera its really up to you, if you think $120 is worth an extra 9 months of warranty then go for the new one.