What about the Nikon 18-135mm lens and the Sigma 30mm f/1.4. Then save up down the road for the 70-300 VR and/or the SB-600 flash.
Hmmmmm... the decision making gets a bit harder

OK, yet another question. Ritz online has a deal going on now that has the D40, 18-55, 55-200 (both notVR), a bag and a couple of how-to DVD's for $549. Do I go for this and pick up the extra lenses at B&H when my mind decides to make itself up?
My brain is melting!