My status is purely that of a serious amateur, so hopefully you'll weigh that with my remarks.
I made the move to digital about five years ago with a Fuji three MP point and shoot. This was after twenty plus years of 35mm and 6x6 film in all speeds. Along the way I managed to also gather a respectable array of cameras, mostly SLRs and TLRs. They do nothing but collect dust nowadays. I wind and fire the shutters on all these cameras to prevent freeze-up. That is the only use they get.
It took about a day with that little Fuji for me to realize I was finished with film and probably finished for good. Shortly after its introduction, I jumped to a D70, then to a D200, which is where I'm at today.
Since acquiring that Fuji, I honestly do not believe I've burned one single roll of film. There are still several rolls of unexposed Velvia sitting in my refrigerator from the "old days."
Not more than six or seven years ago there were some raging arguments on several different boards over the film matter, and I always maintained that film was doomed as long as ten years ago, maybe longer. It was one of those "time will tell" deals and certainly time has indeed told.
I can almost guarantee you that any Nikon dSLR is going to blow your hair back, from the D40 on up.
Whatever the crop factor's drawbacks are, they are completely overwhelmed by everything else a dSLR has to offer.
Good luck!