I'm REALLY wanting to upgrade from my 'beater' camera. The Canon 20D sure would fit the bill. The going rate for kits is about $1K. After doing a bit of research it's likely I could get a Rebel XT (350d) and have enough to get a better lens than what would come w/ the 20D. So - find a used 20d with a Good lens, or find a new XT and buy a pretty decent lens? Is the 20D and the 'adequate?' lens which comes in the kit going to provide better over-all image quality and flexibility than would a XT w/ a better-than-"stock" (for lack of a better term) could do?