Well, I am still on the fence. One minute XTi, the next XT. A friend of mine has the XT and he gets really nice shots with the kit lens. Another friend has the 30D and and a canon 17-85 lens with IS. The friend with the XT is a much better photograher and his photos come out much better, since the other guy only uses auto mode, but wanted a better camera.
I like the display on the XTi better, I don't care about more MP at this point and I am not sure I would know the difference with the upgraded AF.
I am a very fast learner and may outgrow the XT or XTi very quickly, but then again who knows. With either choice, I cannot se myself spending big $$$$ on lenses until I master the kit lens. Most of my shots will be of family and my other hobby, cars.
I can get an XTi with kit for 765$ but not sure what color(I prefer black) and if that includes shipping?
Anyway, The display is the big selling point for me, but for $175 I am not sure it is worth it.
I am not sure about a second hand 20D, seem like it could be hit or miss.
Steve