Just like cars, the more mileage a camera has, the more likely stuff is to break. While the shutter is usually the first thing to fail, electronics can also go bad, and buttons can break off, etc (especially given how plasticky certain Canon bodies are).
You should be able to find an affordable 40D with a relatively low shutter count, though. Also, I wouldn't let anyone repair my camera unless they are authorized by Canon.
I'm going to leave this thread in the DSLR forum because it addresses a general topic
Adam
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