Simple:
1. Broken high-end camera is still less useful than a good new entry level camera.
2. If worry about getting "sian" of entry level camera, then DON'T BUY, till you saved enough money.
3. Whether you want to consider my advice is up to you. Once I give them, it is up to you to make your own decision.
4. Since you are starting from scratch, I seriously doubt you can master any DSLR (entry level or not) so fast that you will outgrow it within a short time. So no worries about getting "sian" too quickly.
5. Great pictures come mostly from evoking feeling/emotion from pictures. 60% of the picture is getting the composition right. the other 40% comes from getting technicalities right, like exposure, distortions, color rendition, PP, etc etc etc...
6. People have been producing excellent pictures with old lousy cameras since the old times. I don't see them complaining.
Give you an example. Shot with a lousy prosumer (something like your FZ28, just much much older)... picture is full of noise. color is no good... etc etc... but it doesn't matter (not to me at least), the emotion comes from the image in the picture.
And this came from an even older 5mp PnS.