I am in no way better than you, SKnight.
I will share something that might help you though. BEWARE of putting the word Photography and Credit in the same sentence (Separate rooms recommended).
Now I say this from personal experience, not just to nag or have something to ramble about. The danger of credit and camera gear, is over-rationalization. In my case, I ended up opting for a Sigma 70-200 2.8, a lens a tad below $1000. Had to get the lens tripod mount, and since I was online anyways -and thinking "hey, this is my ONLY credit purchase"- I threw in a filter for the lens, an extra battery for the camera -mine was getting old- and a hand strap. Good enough, promised myself not to spend anymore with credit, as what I was getting was more than enough to get me work as a photog and save for other gear later on.
Well, long story short, six months later I had to have the Canon IS version of the 70-200, ended up getting the 2.8 because I was already used to the sigma, sold the filter along with the sigma so I got a Canon UV filter, and again a few extras.
Happy with my gear? Never was happier.
Now for you it is probably a different story, so please do forgive me for sharing this bit. Not trying to engage you in some sort of discussion or conversion to anti-credit cults and stuff.
It's just that when in the same place, this is what Canon and Credit say to one another:
Canon- Buy me, you need me, buy me, c'mon, I am on sale today, only today, you know you want me.
Credit- Hey, I can pay, I can pay. No worries, just type my number, go ahead, no worries I can pay.
I can vouch for the 70-200 2.8 IS quality, as 99% of its owners can.
Good point made by others, tripod is a MUST at these ranges. Before anything else.