I used a rented lens, the EF 24-70mm f/2.8L USM. I really missed the IS for low-light because my XTi gets noise above 400ISO...too much noise.
Too much noise above 400?
Post a full image and then a 100% crop of something at 800 or whatever you're not pleased with. I'd honestly like to see for myself. Canons have always had very good noise reduction processing that maintains detail well but still cleans up noise nicely, or am I wrong? I have no problems shooting my D40 at 1600 if I need to, but do like to keep my D80 at 800 or below. Too many pixels on the 10MP D80 results in lower sensitivity. I doubt my D80 is even a stop better than the XTi though, so maybe I'm more tolerant of noise, or there's something funny about the noise characteristics on the XTi??
Have you tried the EF-S 17-55 f/2.8 IS? That has IS and would make a great "do everything" type of lens. My Nikon 17-55 doesn't have it so I just have to hold it extra steady or try to brace against something. A friend of mine who shoots Canon has the 17-55 IS and it's a great lens.
430am? Wow I think I picked up the wrong hobby!!! Someday on vacation I am going to get up early and hit the streets alone. That is going to be my goal when we go to Charleston next month.
Don't knock it till you've tried it!

Definitely get outta bed early and do it.
No kids whining and complaining, no spouse to "bother" you, no noise from traffic and other people. Just you, some beautiful scenery, your camera, and nobody else. Even though I didn't include it in the original post, I actually really like the photo up in post #8 now, simply because there's
less going on and it's a very peaceful and tranquil photo to me. Because of the lower composition there's less clouds to distract. There's no bird in this one either. I look at that photo now in crappy online size and am instantly transported back to the beach, feel the warmth of that sunrise, see and hear the waves crashing, and that nice inviting piece of beach in the whole lower left portion of the photo. It draws me in in a way that the more complicated and busy composition doesn't. Shortly after this the light got too harsh and ugly, and then more and more people were stumbling out of their hotel rooms and onto the beach which ruined the atmosphere for me.
This is one of my favorite "get up early" photos, taken in Chicago. You don't even need to see the EXIF data to know what time it was taken at either.
Very nice golden light coming up over Lake Michigan, enough light hitting the upper atmosphere to turn it a nice blue, and Old Glory blowing slowly in the wind. That was iso800 on my D40 at 1/15s, 30mm, and f/2.8. I did some minor work on this in post, but didn't really have to. Just minor distortion correction to get the building straighter looking and that's it. Didn't have to touch the photo if I didn't want to.