I wouldn't have the D40x in my pool of cameras. I did buy the D60 and I'm satisfied with it. Here are the differences that make the D60 worth having (for me anyway)::
- efficient anti-dust system. If you only have one lens and you never take the lens off the camera then you can do without it. Otherwise dust is a nuisance which always arrives on the sensor at the wrong moment
- latest EXSPEED processor. It works wonders with the 10Mpix sensor (which I also have in my D200 with the older processor). 3200 ISO is fully usable
- Active D-lighting. I don't have to have this because I can get the same effect by treating my RAW files but if you just shoot JPG's it's just what you need for contrasty light