Well....thanks for all the helpful insight

I have had my hands on both, talked to folks at Ritz cameras and internet searched both cameras. I was hoping to get an idea of what owners like/dislike about each camera.
Thanks anyway!
Well, I don't know if this'll be a helpful insight

, but the
Nikon D3100 doesn't have an in-body focus motor in the camera, so any the Nikon lenses that you buy MUST have their focus motors built inside the
lens for autofocus to work. For the most part, you'll probably be buying Nikon's most popular lenses, which will have focus motors in the lens, so this most likely won't be an issue.
There is one particular lens where this might become an issue for you: if you choose to buy Nikon's popular
50mm f/1.8 lens for about $120. The reason why this lens is so popular is because it's a (1) relatively inexpensive lens that (2) produces very sharp photos and (3) is great for low-light photography. On the Nikon D3100, however, you won't be able to autofocus using this lens. Instead, you'll have to do manual focus.
This issue won't come up with Nikon's higher-end cameras. This issue also won't come up in
any of the Canon cameras, including the Canon T1i.
Here's another disadvantage of the Nikon D3100. Do you plan on doing
HDR (high-dynamic range photography)? It's all the rage nowadays. That's where you take 3 identical photos (1 "properly exposed" photo, 1 brighter photo, and 1 darker photo), and use software to combine them into a composite photo, where the dark shadows aren't too dark, and the bright highlights aren't too bright.
To do HDR, ideally you'd want a camera that does
exposure bracketing. You place your camera on a tripod, and the camera can take those 3 identical photos in rapid succession: 1 "properly exposed" photo, 1 brighter photo, and 1 darker photo.
The Nikon D3100 does not have exposure bracketing, so you'd have to change the camera settings yourself. Nikon's higher-end cameras have exposure bracketing. All of Canon's cameras, including the Canon T1i, have exposure bracketing.
You mentioned that you held & played with both cameras. In addition to the "look & feel" of each camera, did you play with the menus on each camera? Did they seem intuitive to you? I'd hate to see you stranded in the middle of the Magic Kingdom, baffled at how to access a certain camera feature.
Anyway, I'm a Canon boy, and I haven't touched or held the Nikon D3100 myself. I'm sure the Nikon D3100 is a wonderful camera, and I hope that someone with this camera will chime in about their likes & dislikes about it. However, these are some important "negatives" I gleamed off a Nikon D3100 review. For some users, these might be non-issues. But if you're a budding photographer, these are things that might bother you in the future.