So, I've decided to jump into the world of DSLR after using my Canon Powershot for a bit over a year. After messiing around with most of the entry level cameras, I decided that I want the Nikon D50. I'm thinking I shouldn't get the kit, and buy the lens seperate, but I'm not sure what I should get. I want one that will be good zoom lens for all around use, but that is still pretty fast. Sadly, my budget is around $200 (ebay or craigslist?) for the lens, however I guess I could just save for a couple more months or put it on the credit card if it is really worth it. Secondly, what about refurbished DSLR's? It would save me about $60, but I'm not sure if it would be worth it or not. Finally, what about warranties? While looking online, I noticed that some of the cameras said "USA warranty" next to them. Does that mean the warranty is from Nikon? Some others didn't mention a warranty, but listed a Mack warranty in the "suggessted accessories" section. Is it worth it, or will I never really need it? Sorry that ended up kind of long but I really do appreciate the input of this community. Thanks in advance for any help.