Two of my collegues just took the plunge and picked up the D40 kit with the 18-55 and 55-200. The D40 is discontinued so they were able to get the kit reduced. They have been raving about the results they get, especially of their children. These guys come from point-and-shoot cameras and the greater reactivity and speed they get with a DSLR has knocked them out.

If you want to get a low-end kit - get an all-Nikon setup. It's the best quality for the money.