Here is some practical point.
1) Buy a camera that you can most afford.
2) Buy a camera that you will use and willing to carry around. You know yourself best. Many people buy a shirt or bag, wear once and never again.
3) If it is a family camera, buy one that "the family" will use. Not one that require heavy skill to use. Not every 4 years old kid will handles a 200mm lens, else everyone will be billionaire.
4) A good lens may well is better to have than many cheaper soft lens. Bec you ended buying a lens that you don't want to use.
5) Don't think of this camera as the last thing you ever will buy in entire life. Less you will stress on your choice.
6) Don't buy every accessories now, this is 2010, you can buy anything anytime.
7) Majority of the people don't know the difference in image quality bec it is the picture and presentation that counts. More people will view and read about the Philips Advertisment bear lousy picture than any best image posted here in a day. Beside 640x480 it too tiny to spot anything.
8) There is no diff between Nikon or Canon. It is just your liking. E.g I don't like Nikon because of the ultraman design, simple as that for me.
9) Get a simple post editing tool, need not be Photoshop. Simple encourages learning.
10) Don't worry about megapixel because you cannot get a brand new 8MP dSLR from Best denki anymore. In other words, the technology are matured.
11) Don't be too concern over when you buy a product slight higher price than others, that's because they are expert shoppers, aka people with lots of free time. With time and contact, you can do that too.