I had a similar choice, though mine was between d3100, 550d, and 50d. I ended up going for the D3100 because while it is a bit more difficult to use in absolute terms, it's not that much more difficult - maybe a button press or two. The most important settings for me at my level - aperture, shutter, ISO, focus mode - are all right there, focus needing a couple of button presses. The other stuff (white balance etc, I just leave it on auto) seems to be able to be changed after the fact quite easily.
The thing that edged me to the D3100 was that in getting that I could get a couple of lenses along with the camera, and while I know I'll outgrow it in a year or so, by then I'll have a much better idea of how and what I shoot, and can make a more informed decision and have a few good lenses by the time I do so.
And it's small enough that I don't need to think about whether to take it out with me or not - the thing that I feel would improve my photography the most is actually getting out and taking shots. That's a big plus for me.