Well, Mr. Calzinger, or whatever your name is
you're certainly a lucky fella as you've received a wide variety of answers, opinions, and help from a wide variety of people who obviously want to help.
I want to help too. I suggest you get a job. Oh, wait, that's off topic
. But hey, then you could upgrade both.
How'd the SAT retake go? Hope you scored high. Wait, that too is off topic. I'm a bad boy.
Aw right, here's the definitive answer you've been waiting for.
are you listening? 30D. 30D. 30D. 30D.
There, did I come across loud and clear enough?
I went from the 10D to the 20D and noticed very big differences, most notably speed. Camera startup time, etc, etc. I could go on and on.
The 30D has it all over your current camera. You are a very talented young man behind the lens. Your lens is just fine and will remain so for a long time to come. It will not lose value either. When you finally make enough money from your photography, and after you are thoroughly enjoying the upgrade to the 30D, then you can get the IS.
As to personal experience and viewfinder size, perhaps if you take your sunglasses off at midnight when shooting, the viewfinder may become a bit clearer.
Your former and hopefully future shooting pal
me