Well... it depends... I used to be in your situation, a college kid major in Computer science with an XTi, I destroyed it by pushing the CF card too much and bent the pin.... So what I did was... get another one using amazon with install payment. Well, I had a job so I could make payment, not sure about ur case... 50mm prime is good, to be honest, it was my only lens for a year and I had no complain.

