Here's my dilemma. I can get a used Canon XT w/ a lens for $300. I can get a new Canon XTi for $500 w/ a lens. I will have $300 in January, and an additional $200 in March. Should I get the Canon XT with the kit lens in January, and in March buy an additional lens/backup point and shoot, or should I get the XTi with the kit lens using the money combined?