Cost... I need it under 1,000 but hoping for more the 500-800 range.
I am thinking of this as upgrading my camera... I need closer pictures. I hate that my camera can't get very close. My camera is too slow I take the picture and the actual shot is long gone.
As far as the lense I don't now how easy/hard it is to change so I can't really answer that one.
Changing lenses is farily easy, on most you push a single button and twist it, and then put the new one on, it really isn't changing them that is the problem for some it is the fact that you have to, and again the cost associated with the extra lenses.
So, here is my advice then.
Current entry level cameras
Canon XT, XTi and XSi this is in order of release and also of cost, the XT is beiing fased out so you might get some good deals on it.
Nikon d40, d40x, d60 again in order of release and cost (has an issue with using using only some of the nikon lenses you need to be aware of)
Pentax K200D
Sony A200, A300, and A350
Olypus E-4x0 and E-5x0 (sorry this is the brand I know the least about the x would be the current model I just don't know what it is)
you can check reviews at dpreview.com on all of these
Then go and hold them at the store, one of them will just feel better in your hands than the others, either because of size or the way the menu's work. You might also place a premium on the brand or brands your friends have so that you can borrow lenses etc.
Places to look at online for cost. Beach Camera, Buy Dig,
Amazon, B&H photo, Adorama these are online places. If the price of the local shop is close you might want to buy there as then you have local support if you need.