Ken Rockwell likes the 55-200 VR lens and the 18-200 is one of his favs. (But the 18-200 costs more than the camera!) He also recommends the D40 over the D40x or the D60.
Jane you are going to have so much fun. No attacking the UPS person when it is delivered. They are trained to drop, ring and run.........but if you hide in the bushes you can surprise them!
RonH