I'm sure I want the D40 as I graduate from point-and-shoot to SLR. But what I don't know is if it's worth the extra $ for the kit version? In other words, can someone tell me in layman's terms what the extra 55-200 mm lens gets me? Is it simply closer-up photos with more detail and more out of focus background? Is it that simple? In general I want to be able to take some kick-butt photos, and I'm not sure if I need/want the extra lens. Thanks for any input!