i recently got a great F4 on
ebay for $191 del'd. Then went to Ken Rockwelss's site and bought his "Cheapskate Lenses." I have less than $500 invested in the body and lenses(including an SB-25 flash.) And am as happy as a clam! I do admire the F5, but really love being able to do all the settings with knobs and buttons rather than "menus."
The great thing about film bodies today is that they're so inexpensive. get the one you want. And down the road you can pick up another one - or 2 - or 3. And still use all your lenses.