400D is a good camera for a beginner. If you're looking for a bargain, there are a lot of this model in the second hand market. My first DSLR was a second hand Konica Minolta 7D which is, I would say, a semi-pro body..... This is a great camera. I still miss it..... Shame that Sony never develop this model in Alpha series.... It took me a year to understand all the buttons and function and how it will affect the photo I'm taking. Then, I realized that there are all kind of lenses that are specialized for different kind of photography.... macro, landscape, sport, portrait and etc. I ended up with 7 or 8 lenses.....
Now, I'm with Canon 30D with only 3 lenses that I feel suit my type of photography. EFS17-55/2.8 IS, EF70-200/2.8L IS and Sigma 150/2.8 macro..... not to mention a lot of other accessories like flashes ( 550EX, 580EX, MT-24EX), tripod, dry cabinet, and etc.... I'm not bragging here (ok..ok.. a bit laa) but just like car, a kancil will do, but a BMW will be much better car. But once you got that BMW, there are a lot of other things you have to get. Like better ACE, sports rim, wider tires..... and the list is on and on......
What I'm trying to say is, with a DSLR, photography is a different planet all together compared to small, expensive compact camera. I was left alone researching what should I do with my DSLR. Often frustrated with results way off from what the camera is capable of. Then I realized that in digital photography, editing knowledge is a must. There must be a reason Photoshop cost so much....
Then, another one, which is equally important is your skill. Until now my photographic skill still suck..... need years to learn if not a life time..... So as a conclusion 3 things are equally important, I believe. (This is my own personal opinion and I'm not a professional).
1. Equipment (Good body and best glass)
2. Good editing skill
3. Good photographic skill.
If I were you, I go ahead and buy the 400D and a Tamron SP90/2.8. This Tammy, was my first macro/close up lens..... ugly but extremely sharp and saturated color...... good for portrait too..... Then, get a 50mm/1.8 and external flash like 430ex.
If your bank acc getting lesser and lesser..... don't blame me ya.....

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