+1 on buying used and +1 on investing in lenses vs the body and... +1 from checking out the marketplace here
the Nikons D3XXX have a really nice feature for beginners: a guide mode that teaches you, on the camera, what settings to pick for different situations. I don't know the exact modes, but it's something like, Action shots, start with this ISO, this shutter speed, etc. It's nothing you can't learn from books, in a class, or reading online. I also recall those cameras not being too great at higher ISOs.
k10d is good starting point, it's suppose to be really good at low ISO, but not high ISO.
i don't know if I agree with getting a kit zoom lens to start like 18-55mm, maybe because i like shooting with primes instead of zoom lenses.
i really like the combination of k-01 with a manual focus lens or fantastic plastic 35mm f2.4. coming from a film camera, the viewfinders just aren't the same, even with focusing screen aids.