Jerry,
I'm confused by the "crop factor." I understand the sensor is smaller than the conventional 35 mm, but does the crop factor actually increase the magnification of the lens (i.e. bring subject closer) or does it simply reduce the field of view to what a longer lens would provide? I did a lot of research when I was looking for a DSLR, but never really understood that point. As an aside, I was coveting the 20D, but cost new was prohibitive. Finally found a friend who was selling her 10D backup to upgrade to a 5D. Got it with the same 100-400 lens you recommended in another post. I've got more camera than my ability warrants, but hopefully I'll grow into it!