go look up the prices on lens for the d40 and d60. remember you HAVE to use AF-S lens.

id much rather have a d50 with a low shutter count than a new d60 because of the prices of lens. look up a 50mm AF-S lens and look up and 50mm AF-D lens and look at the prices.

if you plan on buying more lens(and you will) and you have to buy new get a d90, it will save you money in the long run with lens.