According to the review I read, the D40 is a better choice than the D60. My wife and I are very happy with are older D50 (which the D40 replaced) because it takes great pictures. You won't be disappointed in the least.
You should be able to find a great deal on a D40 since they are discontinued. I would choose the D40 over the D40x anyway because I could care less about megapixels and there are a few reviews, including Ken Rockwell's, that suggest the D40 is a better camera. I would also pass on a combo package that includes the 55-200 lens since unless you are 100% certain you will not be buying new lenses in the near future. I got the 55-200vr as part of a package and ended up buying the 70-300vr for the extra reach and now my 55-200vr sits collecting dust. Of course, if you can really swing it, I would buy a D40 with the 18-200vr lens and have a great set up for just about everything.
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