Unfortunate that those packages look so good to the inexperienced as they are usually a good body with a bunch of cheap stuff thrown in to make it look good.
Can't read the whole thing but I've been a regular ebayer for a long time and bought my camera from a reliable dealer there.
The lenses will not be top notch and may serve you for a while until you want to become more demanding of what you get. There's probably a cheap tripod that they call professional and a gear bag that will be worn out and too small almost immediatly.
I don't know whether its good or bad that photography is expensive but I don't want you to buy a bunch of stuff and then have to go and buy replacements for them too.
My advice to anyone just starting out is to get the body they have decided on from an authorized dealer. Look for that authorized bit in their site. If it isn't there, they aren't authorized and you will not get a warranty from the dealer,(nikon). There will be a warranty but it means you have to find someone to honor it and not get authorized repairs because your body will be gray market.
If there is an offer for the body with a lens and its a regular nikon lens and especially if its the 18-200vr and from an authorized dealer, then I'd go for it. Then when you figure out what you need besides the camera and lens you can research and buy quality items like a solid tripod that will probably last forever. Memory cards aren't all that much anymore and you can get a 2gb card for under 50 bucks. If you get an 8gb card you'll have the ability to hold many shots on the card but if something goes wrong with the card, you've lost a lot more pics too. I have three 2gb cards that hold 165 shots in raw format each. Never needed more.
I will mention Cameta as a good ebay dealer as that is where I got my camera and they gave top notch service. Don't think they are the only good ones though, just the only one I can remember right now.
J&K is one I would avoid..they are fast and efficient but not authorized dealers unless they've changed recently. They get good feedback because they are fast and efficient but then as people new to photography find out they may need a repair or other service from nikon/cannon/whoever, the problems start.
Get the d40 and if you can get the 18-200 vr go for that. Its a great lens that I wish I had and will fill many of your photo needs from semi wide angle to a decent zoom. Other good lenses for a beginner are the 18-135,(the one I have) and/or the 50mm f/1.8
Then you'll gradually learn what else you want/need and can go from there.
Buy a book and/or take a class. Do they have community colleges in Canada?
Also have a good look at our dealer feedback forum.
Good luck my friend and hope you find a good deal and are posting pics here soon.