money versus lenses
I consider myself fairly well off (at this time).
When I bought my D60 (cost more the 10D) I bought two lenses with it, because my budget had hit its limit for the month (or three). I bought a 75-300 IS and a Tamron 28-85. My one concession to accessories was the battery grip and one spare battery. No flashs, no Angle finder C, no other lenses, no studio lights, etc.
I had one advantage, I knew that I would be getting another lens within a month as soon as I saw what I needed. I expected to get a wider or longer lens, but instead the Tamron was a piece of Cr%^, so I ended up getting the 28-135 IS at a local store. (savings drained by a $2000 by this point)
Playing with the lenses I had I took what I consider to be fantastic pictures in Jamaica. But I learned a lot from that also. First I found I needed a wider angle lens for some opportunities and most importantly I discovered I need a flash, so a month later I picked up the 16-35L and two 550EX flashes. It took three more months until my next lens purchase the 50/1.4, which I decided Ineeded for low light, since even the 16-35/2.8 was not always making it.
Then two months later the 10D and the 100-400. (Savings drained by another $1000).
Along the way I have also picked up some accessories and the Canon S9000 printer and supplies.
Now I am well off and can afford the $12,000 worth of camera equipment I have bought so far within a one year period. But I still need to save to buy the 24-70L/2.8, the 70-200/2.8 IS and the 85/1.8 that are on my list. This month's habit was satisfied by ordering some reflectors, filters and the 1.4x extender from B+H.
Given that I make over twice what the average person in my area makes (plus single never married) even I can't afford to get the best lenses all at once. The primes above 300 are not even on my consideration list due to cost.
So I have no problem with someone buying the 10D (an excellent camera and then getting the best lenses they can afford for the photography they like. The 10D is currently in a class by itself in terms of price versus quality and while yes it would be great if you can afford the "L" glass to go with it, even with lesser lenses it outshines anything else in my opinion. Those with less funds will eventually get the critical lenses they need. Those at my level will get the critical lenses and some fun lenses and those above will have the complete set.
[Trivia: in my debate with myself on which lens I get next and when, I am currently trying to decide if I want to hit savings again to get the 24-70/2.8L before going to Jamaica again this year. My debate consists of how much will I use it on the trip? Will it make a difference to the pictures I take? If I get it I may have to leave either my 28-135IS or my 75-300 IS at home since I am out of room in my camera bag. The 28-135 is my favorite lens, but I have a full filter set for the 75-300 (which also fits my 50/1.4 (it is 58mm, I am working on 77mm set)). Some of the images I want to take require the polarizer and I also want to play with the IR filter. So all I need is another $1400 for the lens]
To get the best set of lenses in my opinion would run about
50/1.4 $300
17-40L $800
24-70L $1350
70-200/2.8 ISL $1700
100-400L $1400
1.4x extender $290
Total $5840 plus $1400 for camera = $7240
Now add flashes, filters, camera tripod, case, flash cards, reader, storage, and misc other stuff.
(about $1500)
Don't forget the computer (about $1500 w/monitor)
Optionally add printer and supplies (about $1000 for the year)
Optionally add studio lighting and accessories (about $3000)
For a combined total of around $15000 for a full setup.
Alternate is a camera and a couple of lenses and otherwise existing stuff all for under $2500.
Huge difference, yes.
Sorry for the rambling, but I have little sympathy for people who think everyone is made of money. I am well off and I can't afford some of the stuff others have. We all do the best we can. And as someone else mentioned any digital camera beats no camera any day.
Just my opinion.