JeffreyG wrote in post #3876574
I guess to me the f/3.5-4.5 is a lot closer to a constant f/4 lens than to a constant f/2.8...
Do you think you could eyeball the difference between f2.8 light and f3.5 light? It's doubtful, possible, but doubtful. However, I'd wager you could, without much of a problem, eyeball the difference between 16mm and 17mm of a given point of view.
Everyone suggesting that the OP should buy a 5D to take pics of her children playing and a couple of landscapes should be ashamed of themselves. Although on a gearhead forum like this one, it's not at all surprising, but it is nonetheless shameful.
Spending other people's money is a hobby of mine too, but shouldn't we at least try to give advice as though we are in the poster's shoes? Asking them to fork over an extra $1000+ for a millimeter of focal length is about as absurd as it gets.
If the OP gets serious about photography, there'll be plenty of time to play the diminishing returns game. Being on the wrong end of the cost/benefit ratio is something that's better suited for professionals, semi-pros and general fanatics with more money than sense.
Until she gets more serious, shouldn't she go for a bang-for-the-buck solution?
If you can't take absolutely fantastic landscapes pics with a 40D you're doing something wrong. If you can't take whiz-bang stills of children playing soccer with a 40D and her 70-200mm f2.8 IS, you've got no business spending $2500 on a camera body that'll make it more difficult to do so.
If you *must* get a $1000+ camera now, get a 40D. Spend the rest on glass and don't look back until you have more weight in lenses than you have children willing to help you lug them around.
YMMV 
(And I must say, Karen, you have an exquisite taste in lenses so far.)