How does this setup sound for a newbie SLR person w/ ~$1k cap:

Rebel XTi (400D) body = $544.95
Canon EF 50mm f/1.8 II = $69.95
Canon EF-S 18-55 f/3.5-5.6 IS = $174.95
Spare battery = $27.95
Sandisk 4GB CF card = $74.95

Total: $892.75 - All prices from bhphotovideo.com

I want the 50mm f/1.8 b/c I really like shallow DOF photo's and am always impressed by the 50mm photo's I've seen on threads here on the message board. I've thinking of getting the IS version of the "kit" lens for ~$100 more by buying the body/lens separate compared to the stock non IS lens/body combo, thoughts on this? Should I consider a different zoom lens besides this as my normal lens?

Also what about lens filters? Do I need to worry about buying these now or only when/if I see a need later on? If I need now, what should I get?

As far as other items, I have a tripod and a monopod already, and a camera bag.

Can a local camera store compete with BHphotovideo's prices? Would it be considered rude to ask how good of a deal they could make me and show them what Iooking at spending via the list above? I wouldn't mind spending a little more to support a local shop, but not really $100's more.

Thanks for any info or thoughts, as mentioned about I'm a newbie and I'm sure I could be forgetting / missing lots.
Phil