Scott,
Congratulations! Here are a few points to help you in your decision:
First, take a moment to decide what the application will be and how much money you can spend. This will help you decide the features you want. Do you really need a 1/10,000 shutter speed? or 1/2000 will do? Do you want autofocus or manual? Will you take a lot of pictures of scenery or posing people needing red-eye reduction etc.
The most important step is to decide on a brand, and stick to it. Stay away from obscure or cheapie imitation brands. Go for a brand with a solid reputation. You can't go wrong with Pentax, Nikon, Canon or Minolta, just to name a few. The same applies to lenses. A factor in this decision can be warranty and service. Do you have a service shop nearby or would you need to send the camera overseas for 3 months if you need service?
Remember that SLRs have two major components: The body and the lens.
A rule of thumb is great body+crappy lens=crappy pictures.
crappy body+great lens=better pictures than the above
So choose the lens wisely. For versatility, you can't beat a zoom in the 28mm-80mm range. This will be much better than fooling around with 3 separate lenses. Again, get the best lens you can. Watch out for combos of good bodies but "brand name" lenses.
As for choice, being a Pentax guy, I would recommend theZX50. It is an excellent "first SLR" choice. The ZX-M is manual focus only, and the body costs about the same as the ZX60 but lenses are less expensive.
In summary, shop around and get what you feel most comfortable with.
I hope I didn't scare or confuse you more than necessary
Thanks,
Ismael