I'm in this same situation and I'm glad I found this topic, it was very informative. I found a 20D for $649 Refurbished at Adorama and a new XTi for $665. I hope to go to Best Buy to get a feel for both, but I doubt they'll have a 20D on display. Then they have the XTi with the kit lens for $749. Decisions, decisions, decisions...
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