You may also take a look at the used camera market as well. You maybe able to find some bargains there as well.
In the past few months, I pick up a Canon 40D body for $600 and a Nikon D50 with kit lens (a friend of mine want to get into DSLR market and was looking at the D40) for $250 locally. Both have less than 2000 clicks. Of course, if you need a camera in a hurry, then it may not work.
I use Canon DSLR camera, if I am going to pick between D60 and XS, I will choose Canon XS. It is not because I am currently a Canon user. It is because I prefer CMOS sensors. And if I going to get the camera, I will like to pickup a 50mm f/1.8 AF lens. However, for D60, the only one available and the Autofocus will work with it is the AF-S 50mm f/1.4. And that cost a lot more.
But then again, if 50mm f/1.4 is the lens you are planning to get, that will not be a problem.
One thing you need to aware that, people often stay with the same brand when they upgrade because of the money invested on the lens. (Of course, there are people did change from one brand to the others) So don't just focus on camera itself. Camera lenses are also very important. If the type of photography you want to do and the system you choose has good lens support in that area, you are going to be a lot happier.
For example, if you are very serious in Bird Photography. You may found that Canon has a great lens line up for you in that area. However, if you choose Sony, you choices MAY BE a little limited (am I right? I am not 100% positive on that, but that is what I heard)
Edited
Also, from what I seen, those 3rd party lens manufacturers such as Sigma, Tamron and Tokina. When they release a new lens, they will usually release a version for Canon and Nikon. They may, or may not release it for other DSLR brands cameras. But that may change as other DSLR brands gain market share.
For example, quoted from dpreview.com
"Tokina's US distributor, THK, has announced the long-awaited AT-X 16.5-135mm DX F3.5-5.6 will be available in the summer for Canon and Nikon mounts."