I traveled to Europe a year ago with my A95 and came home with plenty of great memories...and good shots...
the XTI would be a great UPgrade for you...
I prefer the XT as it's a bit bigger and fits me better than the XTI, but if I had been given the choice I'd probably go for the XTI...with the 24-85 for day and 35/2 at night it'd be a great combo...
I read that the new 450 (XSI?) is supposed to be more the size of the XT so if I were buying now, I'd get the 450...but of course that's more than 2x the XT price, and for me, carrying around a cam in all conditions means not having to worry about anything, so the XT would still by my choice (and not just because I got it for less than free!)...
Good luck...

