I will echo a few sentiments:
- Learn how to use your equipment.
www.strobist.com is an excellent source for info. If lighting is used, off camera lighting is the best and ONLY way to go for me for 75% of the circumstances I come across.
- Fast lenses with huge apertures (F/1.8 or faster), make a difference if you use a good camera that has low noise at high ISO settings. I own the 85mm F/1.4 Nikkor lens and can take basically candle lit rooms at ISO 1600 and 1/60th and still get properly exposed pictures (creatively AND technically). If I am allowed to use an off camera flash, I can still set it to something low like 1/8th, bounce it off the ceiling, light near all the room and increase shutter speed to 1/125th to totally remove any motion blur of people walking, etc...
- If you get noise, there is some incredible software out there to remove it. Imagnomics rules by far here, IMHO. I can get my ISO 1600 shots to look as clean as my ISO 200 shots using my D200.
- Practice, practice, practice! I go to low/poorly lit churches OFTEN to get my technique and knowledge down pat. It is not even a real challenge for me anymore.
ISO 800, F/1.4, 1/50th of a second: