Thanks for the input Anbesol, I'm shying away from the Nikons at this point, mostly because the AF motor is in the lens, and the lack of a DOF preview. So now I'm thinking these are the three I'm interested in most.

Canon EOS Digital Rebel XS - at refurbdepot (factory refurbished) with 18-55mm kit lens. $450

Canon EOS Digital Rebel XSi - at refurbdepot (factory refurbished) with 18-55mm kit lens. $550

Pentax K10D Body Only at BestBuy (factory refurbished) $380

Not that it makes a real difference but I dig the Silver body on the Canons =)

So I feel like any of these cameras will be great, but I'm just not sure the best route to go.