As has been said - 400d with the std lens is excellent for an average user.
Check the Canon Ebay shop for some great deals - they do ex-display, open box stuff. Mine was 100% as new in original box - £280....and that was before Christmas......
If you dont fancy that then check here:
Current - M-Benz C250Cdi Sport Plus Auto Est.
Previous - Alpina D3 BiTurbo E90 LCI Manual, 320d M Sport E92 Auto, 330i M Sport E92 courtesy of BMW UK....320i M Sport E92 Auto, 320d SE E90 Manual.