I thank everyone for your thoughts. The repair bill was (is) $324 to repair the 20d, I talked to a nice guy on the phone who said it was generally a flat $180 to repair (before I received the official email), but I suspect he may have been thinking of the powershots or something. For 180 I was going to get it fixed AND try and swag the 50d
Regardless, I am going to take the upgrade and save the money for a rainy day.