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To my understanding I'd also need two lenses? I've been browsing through Nikon's site, and the basic camera kits come with 18-55mm lenses, while for more zoom they offer 55-200/300mm. What is a point and shoot's optical zoom equivalent to 55-200mm?
NOW you are thinking. FIRST decide on the set of lenses you like.
(1) You said you like macro photography so look at macro lenses. Nikon makes a 40mm macro and some longer ones too. You decide basted on the subjet to camera distance you prefer. the 40 mm lens will have the camera very close. OK for photos of coins and stamps but not insects on flowers. For that geta a much longer macro lens so as not to scare off the little critter.
(2) you said "low light". This means you do NOT WANT an f/5.6 lens. You wnt a faster one on f/2.8 or maybe even f/1.4. It is counter productive to go with the slower f/5.6 in low light. You will find zooms that open to f/2.8 and primes that go to f/1.8 or f/1.4 I might suggest the prime, like a 35mm f/1.8. It is low cost and fast and a very usfull length
(3) You say you want t a wide range zoom like the 18-200. That may not work because it is also an f/5.6 lens A wide zoom that is also fast is WAY over your budget and into four digit prices, just for that one lens
So,... you have to give up something, either boost the budget up to about $5K, or decide you don't need a wide zoom lens or ANY zoom at all. Actually there is not reason to buy the Kit zoom if you don't plan to use it. buying the 35mm f/1.8 lens and then whatever Nikon body the remaining budget can cover is a good plan for low light street and indoor club photos.
The thing to do is the really think hard about the lenses first. Do not think much about dSLR bodies, they hardly matter. Any Nikon body will do well enough. Well OK, if you must have video then there is a minimum body you can use.
One thing to avoid. You almost certainly do NOT need a long 200mm lens. All beginners think they do but really the ONLY reason to ever use it is if there is some kind of physical barrier that does not allow you to get closer to a subject. And that usual means youe are shooting sports or wildlife. Neither will work well with an f/5.6 zoom. Just accept that sports and especially wild life are EXPENSIVE subject an stick with closer shots for now.
If you don't understand about f-stops and so on. read up BEFORE you buy. If would be like buying a car not knowing what a steering wheel was, the salesman would just take advantage of you.
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I am considering the D3200 as well with a 18-55 (and maybe 55-200) lens. I've played around with 3100 and 5100, and they were both more than enough for what I wanted,....I was also wondering if there are third party lens makers that sell AF-S type lenses for Nikon cameras at lower cost?
Before you buy, list the requirements of what you want to do. Make sure there is a good fit. I hate to say it but it looks to my like to said "I have X dollars, show my a way to spend that amount" and ignored all of the use cases you listed.
Are you getting the "IS" version of the 18-55 or the non-IS version? Why?
Lastly. I suspect you'd use of of the lower priced f/1.8 prime lenses a LOT more than a 50-200 zoom. Most people leave the 50-200 at home after carrying a round for a while and seeing they never used it. Nikon makes both a 50mm and 35mm f/1.8 for about $190. They now have a low cost 40mm macro too.
OK, one more idea. Used cameras. There is little reason to buy a new camera the older D50 is really good and sells for about $175 now. It can use both the older and current lenses. Used lenses are even better deals because the technology has not changed.