As MLeeK suggested, and another poster-go to a store, and look at and handle the two cameras. And while there, ask to be shown the next model or two upward, as well as the high-end and the mid-level flash unit. As MLeeK suggested, buying in to a particular camera system can be like getting married. If you want it to be like that; it can also be a string of long-lasting, serial monogamous affairs, it you'd like it to be like that.
There ARE some pretty large differences between these two cameras, in terms of features. Nikon has, IMHO, better light metering for point & shoot type use, and also has in-camera image editing, which can be fun to play around with. A year or two ago, there was a column in The Online Photographer, dedicated to "how to select a camera", and in the first d-slr category, it was noted that a HUGE percentage of first-time buyers spend TONS of time on research, and become sort of paralyzed by statistics, and the pursuit, and comparison of statistics, to the point that ONE, or TWO specific features become ultra-critical to the prospective buyer, and he or she just becomes fixated on achieving some imaginary, specification-oriented "check-mark!".
The thing is, as a first time buyer, you probably do not really,truly KNOW what,exactly, it is that you want, or what you will end up liking, or disliking, about your first d-slr. For instance...the swivel screen...sounds good right? But how important is that compared to matrix light metering and flash metering that simply WORKS when the camera is handed over to a non-photo friend or family member?
What are the cameras at the mid- and higher price points like? anywayyy....you just need to GET ONE. Buy,use,learn,evaluate,and then decide where to head.