I got the Nikon D40 with 2 lenses. One lens is the standard and the extra lens was 55-200mm lens. :D

What I have found is that with some of the Nikon cameras you have to buy the lens with auto focus in the lens as the camera does not have motor inside of it. So when it comes to the lens you have purchase AF-S and AF-I lens (if you want autofocus). :D

I got such a deal and like I said I got spooked about the error 99 thing. I know it doesn't happen to everyone, but I didn't want to take the chance. The problem of heuristics, huh. ;)