Again, more great feedback - and super thanks for the links Dan.
Yeah, I've seen that double lens combo on Adorama (about the same price), and it's pretty tempting. I feel like someone who has been driving a 4 cylinder Chevette for the last 3 years, but I've gotten remarkable mileage out out of the XT (maybe 30k photos?).
It might sound funny, but I almost feel a little scared buying a camera (and lenses) that have so many features. I have to look at it as learning opportunity I guess 
I also have to start figuring out how much I can sell the XT for. I won't sell it online here (I don't have a PayPal account), but will probably sell it locally to a friend.




