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If you can afford the K20D, then go for it. I came from a P&S and couldn't be happier. As to the lens, for all around use, the 18-250 is a great choice for a starter. It will give you about the same IQ and performance of 18-55 and 50-200, but in a single lens. It's a good, versatile lens that will get you a picture under the normal circumstances that you are familiar with from your P&S. Actually better, given the K20D's high ISO performance. This lens is as all around as they come.
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