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Mischa,
Another thing you have to consider is the light you are photographing in. If it is indoors, I know with available light, in my south facing studio, my speed and aperture is something like 5.6-11 @ 60 with an f 2.8. This is on a clear day. A slower lens would not give you much wiggle room or depth of field.
If I were to get a digital today I would go for the new 12 megapixel, yours is fine for now, but I would invest in two really great lenses.
The equivalent of my old 55mm f2.8 micro is the 60mm f/2.8 AF-D@ $389.
This is superb for figure shots and copying art.
The best telephoto ( best for portraiture)Nikon AF today is the fast 85mm f/1.4. It is about $900-1000. Shop around, maybe you can get a used one.
In my opinion, the lens you are getting with this camera is way too slow. I have been photographing subjects for over 30 years and I would NOT use that lens.
But if you feel this is the lens for you, by all means get it. I have had my lenses for 25 years. You can always upgrade the camera.
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