I have the Nikon D90 with the 18-200mm lens, which I recommend over the 18-105mm. I have had it for two years. I rarely use the LCD when shooting and my biggest complaint is that there is no more split prism to aid in manual focusing. If I am shooting with the tripod, I am using the aperture priority and if I am shooting hand-held I use the shutter priority. If I am not particular about exposure, then I use the program mode and once in a while I use full auto. I generally use the bracketing feature so for every shot i have the exposure the camera thinks is right, one slightly underexposed and one slightly overexposed. I shoot in RAW format and I really like the software that Nikon includes with the camera for capturing and viewing/editing photos.
If you plan to take photos while doing anything active, check out
http://www.cottoncarrier.com. I use it when hiking and appreciate not having the camera swing out from my neck every time I bend over. It also saves strain on my neck. My tripod has an Arca-Swiss style quick release and I purchased the adapter that lets me go right from the carrier to the tripod. It's pretty cool.
The biggest trade-off for me has been the weight and bulk of the SLR vs. point-and-shoot. I started with the camera and one lens. Then I added a macro lens. Then I added a 10-24mm ultra-wide angle lens. Now I just bought a shoe-mounted flash. Next I'll be looking into backpacks for carting this mess around. The difference in the quality of my photos makes it worthwhile, but it is something to consider if you are not wanting to carry around a ton of equipment. As an SMB owner though, you know what it is like to be "all about the equipment."
Steve in L.A.