In my approach to photography, there are two types of costs - a) lenses, which are more of an investment, and b) bodies, which are more of a cost. I describe it this way since lenses have a much longer life, can be low in electronics, thus less susceptible to the throw away cycle (features of the moment and electronic failures). Bodies, on the other hand, tend to have a shorter life cycle due to new features / technology, along with failures over time.
So, when you ask about body only costs, my body purchases will be made in a way to a) preserve my lens investments; and b) reduce my body costs due to new features and electronic failures. Therefore, under $1K is my price category. Thus, I tend to stay at least one generation behind, especially with the built in price declines (1 year in time equals approximately to a 50% price reduction). Plus, purchasing a new body every year, I do not need, nor does my skill level demand.
I have avoided SDM lenses due to their initial failures, but also in Pentax's system architecture, image stabilization has and is a body function, thus the lenses could be more mechanical optical and less electronics - no optical stabilization, and no AF motors (body based electro-mechanical screwdrive). This for me creates a very reasonable stable and cost effective system.