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My belief, once you get past the ergonomics of your choice, is get the most camera for the money that you can afford. If you don't, you may regret it in six months as you advance.
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That's a valid sentiment but, for the majority of first time DSLR buyers, I don't think it's the best way to go. I bought my first DSLR about a year and a half ago and have recently been thinking back to my state of mind at the time of my purchase. I did a lot of research and still didn't come close to the aspects of the camera that actually turned out to be important. It's taken me a year of solid use to really figure out what works for me and what doesn't, and I'm still learning new stuff everyday. I don't think it's the best choice to spend a ton of money on a high end camera when you don't really know what your needs are. What if you sunk $1500 into a Nikon body just to find that what you really want is in-body stabilization, or Pentax's unique pancake primes, or Canon's high quality 70-200mm f4L. How could you possibly know any of that without ever having owned an SLR? It's going to hurt a lot less to swtich if you only spent $400 on your camera.
As far as being limited by your camera, I'd say that there isn't really a photograph that you can take with a D300 that you can't take with D40. There are many photographs that would be more
easily taken with a D300 but very few that you simply can't get. That's why pros love high end cameras, cause they make their job easier, not possible.