That is where it is good to sit down with a calculator and figure up what the weight is of the equipment you are using and the maximum camera/lens weight you will be placing on a tripod at any given time. Then look at different leg and head combos. I would stay away from prepackaged sets unless it is something that you have been able to look at as seperate pieces. Decide what you like, Pan/Tilt head, ball head, etc. A good set of aluminum legs or if you have the money carbon fiber. Then put together what is right for you. I guess my point of the article was find something that will work for you from the start. I have been through 3 tripods that have gone by the wayside. I have kept one set of legs, but the rest all ended up in the trash as they could not do the job.
My personal preference is the Monfrotto [FONT=Verdana,Arial,Helvetica,sans-serif]3021BPRO Tripod Legs with 322RC2 Grip Action Ballhead. Nothing I put on it comes close to the 11lb support weight of the head or the 22lb for the legs and I like the side grip. Many people I know like the [/FONT]488RC2 Ball Head on the same legs. Like you I do this for my self so I decided to spend around $250 for this setup and have been very happy with no plans to change anytime soon. Of course if I ever get that EF 500 f4 I want, I will have to look at a whole new setup, but that is a (long) ways down the road. Good luck.