What exactly are you wanting to do with your photography? How far do you want to take it? Why do you want a dSLR over a point and shoot? These are the questions that will answer what equipment you should buy.
As for photography equipment, it reminds me of road bikes. I used to ride every day from Longmont, CO to my place of employment in Boulder, CO. It was about a 17 mi ride one-way and I loved it. So I started looking into new and better bike equipment. It soon became clear to me that the price tag shoots straight up with only the smallest of advantages such as a breaking lever that was a few grams lighter than a cheaper one. Or a frame that was half a pound lighter with a fractional amount less drag. Frankly, had money been no object I would have gladly bought all of it, hook, line and sinker even thou I knew the extra money spent would be completely wasted on me because I simply wasn't at a level that I could tell the difference. Would it have been bad to have that high end gear...no, it certainly wouldn't. But in my case, money was not something I had an endless supply of and I opted for the lower priced, heavier items for my biking.
IMO photography equipment is very much like high end biking equipment. You shouldn't concern yourself with the high end items unless money is no object or you believe you will someday be able to appreciate and utilize the advantages such expensive gear buys you.
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