I am looking to purchase my first DSLR and have decided to purchase the Nikon D40. Since it's my first I have set a budget of $500 and will just shoot as much as I can with the included lens. I will be purchasing from Adorama or B&H here in NYC. I noticed that Adorama sells refurbished models: http://www.adorama.com/INKD40KR.html. Is the refurbished a good deal or should I just opt for a new one for 75 bucks more. There is a warranty difference between the two as well.