I've been waffling between these two cameras for a while now.. I like the fact that the nikon is a bit lighter and the kit lense isn't crap so the initial investment would be a bit smaller. But for my exact purposes, I'm not sure what I should do. I want this camera for basically two things; something to take on bike rides besides my S80 to take action shots, and for outdoor scenery shots. The S80 is great as long as there is enough light to keep the ISO at 50 or maybe 100, but it's crap after that. I also want something faster focusing and shooting.. Seems the D40 is going used on Ebay for about what I payed for the S80 when it came out. Stupid technology..

I like the idea of using AF-servo mode for moving targets, but I'm not sure how well that works in the real world. I figure the D40 is a bit smaller and cheaper. Am I going to be happy using the stock 18-55mm lens at least initially? How do focusing speeds compare with moving tagets?

Anyone have some experience using either of these for what I just outlined? What lens did you end up with? Is it worth the money to get the xt for outdoor type stuff? Thoughts? Comments? Am I completely off target here?

Wow, that was a lot of question marks. Excuse my convoluted writing.