Also,
another alternative would be to stick with my 35mm setup

until prices come
down and DSLR's become better value for money.

You pointed out your best alternative.

Right now, there is no better value in digital than a slightly used
version of yesterday's news. The 10D is going for less than $950, and I
recently paid $612 for a very nice D60.

Let someone else take the brunt of the initial cost, and make yourself
the beneficiary of their dire need for the latest & greatest.

For folks who can afford the newest, great. For the rest of us, keep in
mind that just a few years ago, the D30 was THE hot item. You can have
one today for a fraction of the cost.